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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 | $21,923 | $27,632-20.7% | $61,399-64.3% | $68,495-68.0% |
| Participation rate | 18.6% | 39.5%-20.9pp | 52.6%-34.0pp | 67.9%-49.3pp |
| Annual return | -26.37% | -13.24%-13.1pp | 338.81%-365.2pp | -7.84%-18.5pp |
| Employer contribution / active EE | $362 | $696-48.0% | $1,159-68.8% | $2,596-86.1% |
| Participant deferral / active EE | $593 | $1,264-53.1% | $2,124-72.1% | $4,028-85.3% |
| Admin fee / account holder | $1,120 | $2,010-44.3% | $2,131-47.4% | $5,403-79.3% |