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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 | $2,098 | $29,733-92.9% | $56,025-96.3% | $80,959-97.4% |
| Participation rate | 51.1% | 41.7%+9.3pp | 52.5%-1.4pp | 67.7%-16.6pp |
| Annual return | -9.58% | 35.28%-44.9pp | 1712.69%-1722.3pp | 35.67%-45.3pp |
| Employer contribution / active EE | $0 | $672-100.0% | $1,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $655 | $1,229-46.7% | $1,955-66.5% | $4,300-84.8% |
| Admin fee / account holder | $375 | $2,434-84.6% | $2,828-86.7% | $6,925-94.6% |