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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 | $4,202 | $27,639-84.8% | $61,501-93.2% | $68,490-93.9% |
| Participation rate | 54.3% | 39.5%+14.8pp | 52.6%+1.7pp | 67.9%-13.6pp |
| Annual return | -24.01% | -13.19%-10.8pp | 339.04%-363.1pp | -7.85%-16.2pp |
| Employer contribution / active EE | $556 | $696-20.1% | $1,160-52.0% | $2,597-78.6% |
| Participant deferral / active EE | $1,424 | $1,264+12.7% | $2,125-33.0% | $4,028-64.6% |
| Admin fee / account holder | $322 | $2,012-84.0% | $2,132-84.9% | $5,403-94.0% |