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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 | $33,916 | $27,632+22.7% | $61,452-44.8% | $68,486-50.5% |
| Participation rate | 20.4% | 39.5%-19.1pp | 52.6%-32.1pp | 67.9%-47.5pp |
| Annual return | -21.48% | -13.24%-8.2pp | 338.96%-360.4pp | -7.85%-13.6pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,160-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $822 | $1,264-34.9% | $2,125-61.3% | $4,028-79.6% |
| Admin fee / account holder | $2,399 | $2,010+19.3% | $2,131+12.6% | $5,404-55.6% |