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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 | $23,837 | $75,962-68.6% | $154,111-84.5% | $64,173-62.9% |
| Participation rate | 31.0% | 70.4%-39.4pp | 83.0%-52.0pp | 69.6%-38.5pp |
| Annual return | -13.81% | 30.32%-44.1pp | 735.18%-749.0pp | 7.63%-21.4pp |
| Employer contribution / active EE | $836 | $3,350-75.0% | $5,298-84.2% | $2,381-64.9% |
| Participant deferral / active EE | $2,876 | $3,175-9.4% | $5,081-43.4% | $3,470-17.1% |
| Admin fee / account holder | $444 | $5,589-92.0% | $13,411-96.7% | $4,887-90.9% |