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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 | $23,864 | $49,177-51.5% | $79,467-70.0% | $64,173-62.8% |
| Participation rate | 51.5% | 65.0%-13.5pp | 73.3%-21.8pp | 69.6%-18.1pp |
| Annual return | -9.56% | -1.16%-8.4pp | 718.30%-727.9pp | 7.63%-17.2pp |
| Employer contribution / active EE | $1,524 | $2,076-26.6% | $2,800-45.6% | $2,381-36.0% |
| Participant deferral / active EE | $2,162 | $2,821-23.4% | $3,704-41.6% | $3,470-37.7% |
| Admin fee / account holder | $2,418 | $3,839-37.0% | $5,104-52.6% | $4,887-50.5% |