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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 | $18,625 | $82,674-77.5% | $125,381-85.1% | $68,486-72.8% |
| Participation rate | 26.8% | 75.1%-48.2pp | 82.4%-55.5pp | 67.9%-41.1pp |
| Annual return | -24.14% | -5.97%-18.2pp | 572.31%-596.4pp | -7.85%-16.3pp |
| Employer contribution / active EE | $991 | $3,382-70.7% | $4,815-79.4% | $2,597-61.8% |
| Participant deferral / active EE | $4,056 | $6,111-33.6% | $7,448-45.5% | $4,028+0.7% |
| Admin fee / account holder | $1,801 | $6,277-71.3% | $10,007-82.0% | $5,404-66.7% |