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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 | $41,146 | $48,274-14.8% | $63,244-34.9% | $59,633-31.0% |
| Participation rate | 48.4% | 66.3%-17.9pp | 71.0%-22.7pp | 68.7%-20.3pp |
| Annual return | -2.95% | -240.79%+237.8pp | -70.31%+67.4pp | 2041.40%-2044.3pp |
| Employer contribution / active EE | $607 | $1,586-61.8% | $2,322-73.9% | $2,203-72.5% |
| Participant deferral / active EE | $1,913 | $2,343-18.4% | $2,953-35.2% | $3,192-40.1% |
| Admin fee / account holder | $308 | $3,600-91.5% | $5,893-94.8% | $4,297-92.8% |