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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 | $7,473 | $27,632-73.0% | $61,399-87.8% | $68,495-89.1% |
| Participation rate | 25.9% | 39.5%-13.6pp | 52.6%-26.7pp | 67.9%-42.0pp |
| Annual return | -25.58% | -13.24%-12.3pp | 338.81%-364.4pp | -7.84%-17.7pp |
| Employer contribution / active EE | $560 | $696-19.6% | $1,159-51.7% | $2,596-78.4% |
| Participant deferral / active EE | $1,312 | $1,264+3.8% | $2,124-38.3% | $4,028-67.4% |
| Admin fee / account holder | $465 | $2,010-76.9% | $2,131-78.2% | $5,403-91.4% |