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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 | $26,801 | $75,962-64.7% | $154,111-82.6% | $64,173-58.2% |
| Participation rate | 22.2% | 70.4%-48.2pp | 83.0%-60.8pp | 69.6%-47.3pp |
| Annual return | -9.04% | 30.32%-39.4pp | 735.18%-744.2pp | 7.63%-16.7pp |
| Employer contribution / active EE | $409 | $3,350-87.8% | $5,298-92.3% | $2,381-82.8% |
| Participant deferral / active EE | $957 | $3,175-69.9% | $5,081-81.2% | $3,470-72.4% |
| Admin fee / account holder | $426 | $5,589-92.4% | $13,411-96.8% | $4,887-91.3% |