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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 | $11,790 | $49,177-76.0% | $79,467-85.2% | $64,173-81.6% |
| Participation rate | 46.4% | 65.0%-18.6pp | 73.3%-26.9pp | 69.6%-23.1pp |
| Annual return | -10.31% | -1.16%-9.2pp | 718.30%-728.6pp | 7.63%-17.9pp |
| Employer contribution / active EE | $647 | $2,076-68.8% | $2,800-76.9% | $2,381-72.8% |
| Participant deferral / active EE | $1,216 | $2,821-56.9% | $3,704-67.2% | $3,470-65.0% |
| Admin fee / account holder | $502 | $3,839-86.9% | $5,104-90.2% | $4,887-89.7% |