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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 | $20,921 | $30,732-31.9% | $59,496-64.8% | $59,633-64.9% |
| Participation rate | 49.2% | 43.2%+6.0pp | 54.6%-5.3pp | 68.7%-19.4pp |
| Annual return | -7.79% | 4.47%-12.3pp | 182.05%-189.8pp | 2041.45%-2049.2pp |
| Employer contribution / active EE | $367 | $631-41.8% | $1,153-68.2% | $2,203-83.3% |
| Participant deferral / active EE | $626 | $1,183-47.1% | $1,829-65.8% | $3,192-80.4% |
| Admin fee / account holder | $2,606 | $2,136+22.0% | $2,232+16.7% | $4,297-39.4% |