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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 | $15,743 | $32,117-51.0% | $71,089-77.9% | $64,173-75.5% |
| Participation rate | 48.6% | 42.7%+5.9pp | 54.6%-6.1pp | 69.6%-21.0pp |
| Annual return | -10.14% | -5.57%-4.6pp | 650.65%-660.8pp | 7.63%-17.8pp |
| Employer contribution / active EE | $425 | $712-40.3% | $1,088-60.9% | $2,381-82.1% |
| Participant deferral / active EE | $1,611 | $1,263+27.6% | $1,873-14.0% | $3,470-53.6% |
| Admin fee / account holder | $710 | $2,759-74.3% | $3,082-77.0% | $4,887-85.5% |