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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,272 | $72,404-55.4% | $110,243-70.7% | $64,173-49.7% |
| Participation rate | 41.0% | 73.3%-32.4pp | 79.8%-38.9pp | 69.6%-28.6pp |
| Annual return | -8.69% | -6.29%-2.4pp | 314.76%-323.4pp | 7.63%-16.3pp |
| Employer contribution / active EE | $1,064 | $2,282-53.4% | $3,827-72.2% | $2,381-55.3% |
| Participant deferral / active EE | $1,693 | $3,469-51.2% | $4,672-63.8% | $3,470-51.2% |
| Admin fee / account holder | $896 | $5,664-84.2% | $8,548-89.5% | $4,887-81.7% |