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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 | $61,400 | $91,537-32.9% | $130,045-52.8% | $75,173-18.3% |
| Participation rate | 47.7% | 71.5%-23.8pp | 78.5%-30.8pp | 67.2%-19.5pp |
| Annual return | -42.64% | -631.55%+588.9pp | -137.30%+94.7pp | 160.72%-203.4pp |
| Employer contribution / active EE | $1,769 | $2,845-37.8% | $4,321-59.1% | $2,671-33.8% |
| Participant deferral / active EE | $2,129 | $4,343-51.0% | $5,820-63.4% | $4,126-48.4% |
| Admin fee / account holder | $2,425 | $6,780-64.2% | $10,600-77.1% | $5,651-57.1% |