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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 | $45,309 | $58,241-22.2% | $81,780-44.6% | $80,911-44.0% |
| Participation rate | 21.9% | 63.4%-41.5pp | 72.4%-50.4pp | 67.6%-45.7pp |
| Annual return | -47.74% | 41.73%-89.5pp | 776.27%-824.0pp | 35.63%-83.4pp |
| Employer contribution / active EE | $525 | $2,343-77.6% | $2,914-82.0% | $2,756-80.9% |
| Participant deferral / active EE | $1,154 | $3,283-64.9% | $4,321-73.3% | $4,297-73.2% |
| Admin fee / account holder | $2,381 | $4,973-52.1% | $7,384-67.8% | $6,935-65.7% |