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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 | $62,945 | $54,355+15.8% | $82,744-23.9% | $68,486-8.1% |
| Participation rate | 42.3% | 63.9%-21.6pp | 72.6%-30.3pp | 67.9%-25.6pp |
| Annual return | -19.68% | -13.67%-6.0pp | 702.22%-721.9pp | -7.85%-11.8pp |
| Employer contribution / active EE | $827 | $2,219-62.7% | $3,008-72.5% | $2,597-68.2% |
| Participant deferral / active EE | $1,584 | $3,246-51.2% | $4,395-64.0% | $4,028-60.7% |
| Admin fee / account holder | $1,213 | $4,397-72.4% | $5,325-77.2% | $5,404-77.5% |