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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 | $27,919 | $32,117-13.1% | $71,086-60.7% | $64,181-56.5% |
| Participation rate | 22.2% | 42.7%-20.5pp | 54.7%-32.4pp | 69.6%-47.3pp |
| Annual return | -10.77% | -5.57%-5.2pp | 650.59%-661.4pp | 7.63%-18.4pp |
| Employer contribution / active EE | $579 | $712-18.7% | $1,088-46.7% | $2,381-75.7% |
| Participant deferral / active EE | $1,491 | $1,263+18.1% | $1,874-20.4% | $3,470-57.0% |
| Admin fee / account holder | $1,083 | $2,759-60.8% | $3,082-64.9% | $4,887-77.8% |