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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 | $79,824 | $32,117+148.5% | $71,086+12.3% | $64,173+24.4% |
| Participation rate | 10.0% | 42.7%-32.7pp | 54.7%-44.7pp | 69.6%-59.6pp |
| Annual return | -10.68% | -5.57%-5.1pp | 650.59%-661.3pp | 7.63%-18.3pp |
| Employer contribution / active EE | $292 | $712-59.1% | $1,088-73.2% | $2,381-87.8% |
| Participant deferral / active EE | $1,025 | $1,263-18.8% | $1,874-45.3% | $3,470-70.4% |
| Admin fee / account holder | $1,172 | $2,759-57.5% | $3,082-62.0% | $4,887-76.0% |