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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 | $31,098 | $49,177-36.8% | $79,466-60.9% | $64,173-51.5% |
| Participation rate | 66.7% | 65.0%+1.6pp | 73.3%-6.7pp | 69.6%-2.9pp |
| Annual return | -8.30% | -1.16%-7.1pp | 718.28%-726.6pp | 7.63%-15.9pp |
| Employer contribution / active EE | $681 | $2,076-67.2% | $2,800-75.7% | $2,381-71.4% |
| Participant deferral / active EE | $2,372 | $2,821-15.9% | $3,704-35.9% | $3,470-31.6% |
| Admin fee / account holder | $796 | $3,839-79.3% | $5,104-84.4% | $4,887-83.7% |