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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 | $20,716 | $32,117-35.5% | $71,086-70.9% | $64,173-67.7% |
| Participation rate | 40.8% | 42.7%-1.9pp | 54.7%-13.8pp | 69.6%-28.8pp |
| Annual return | -10.68% | -5.57%-5.1pp | 650.59%-661.3pp | 7.63%-18.3pp |
| Employer contribution / active EE | $492 | $712-30.9% | $1,088-54.7% | $2,381-79.3% |
| Participant deferral / active EE | $1,702 | $1,263+34.8% | $1,874-9.2% | $3,470-50.9% |
| Admin fee / account holder | $672 | $2,759-75.7% | $3,082-78.2% | $4,887-86.3% |