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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 | $20,992 | $45,152-53.5% | $73,835-71.6% | $59,633-64.8% |
| Participation rate | 57.5% | 64.0%-6.5pp | 73.4%-15.9pp | 68.7%-11.2pp |
| Annual return | -4.19% | 27.40%-31.6pp | 2268.13%-2272.3pp | 2041.40%-2045.6pp |
| Employer contribution / active EE | $632 | $1,901-66.8% | $2,788-77.3% | $2,203-71.3% |
| Participant deferral / active EE | $853 | $2,573-66.8% | $3,583-76.2% | $3,192-73.3% |
| Admin fee / account holder | $1,229 | $3,515-65.0% | $4,880-74.8% | $4,297-71.4% |