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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 | $23,764 | $30,732-22.7% | $59,496-60.1% | $59,633-60.2% |
| Participation rate | 21.6% | 43.2%-21.6pp | 54.6%-33.0pp | 68.7%-47.1pp |
| Annual return | -6.38% | 4.47%-10.8pp | 182.05%-188.4pp | 2041.40%-2047.8pp |
| Employer contribution / active EE | $237 | $631-62.5% | $1,153-79.5% | $2,203-89.3% |
| Participant deferral / active EE | $553 | $1,183-53.3% | $1,829-69.8% | $3,192-82.7% |
| Admin fee / account holder | $1,547 | $2,136-27.6% | $2,232-30.7% | $4,297-64.0% |