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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 | $18,293 | $39,798-54.0% | $67,704-73.0% | $59,633-69.3% |
| Participation rate | 64.5% | 57.4%+7.2pp | 67.5%-3.0pp | 68.7%-4.2pp |
| Annual return | -7.03% | 89.94%-97.0pp | 25.41%-32.4pp | 2041.45%-2048.5pp |
| Employer contribution / active EE | $248 | $1,393-82.2% | $2,559-90.3% | $2,203-88.7% |
| Participant deferral / active EE | $2,492 | $2,335+6.7% | $3,585-30.5% | $3,192-21.9% |
| Admin fee / account holder | $2,503 | $3,212-22.1% | $4,255-41.2% | $4,297-41.8% |