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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 | $5,938 | $27,632-78.5% | $61,452-90.3% | $68,486-91.3% |
| Participation rate | 53.8% | 39.5%+14.3pp | 52.6%+1.3pp | 67.9%-14.0pp |
| Annual return | -24.06% | -13.24%-10.8pp | 338.96%-363.0pp | -7.85%-16.2pp |
| Employer contribution / active EE | $498 | $696-28.4% | $1,160-57.0% | $2,597-80.8% |
| Participant deferral / active EE | $1,716 | $1,264+35.8% | $2,125-19.2% | $4,028-57.4% |
| Admin fee / account holder | $308 | $2,010-84.7% | $2,131-85.5% | $5,404-94.3% |