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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 | $8,275 | $26,549-68.8% | $61,452-86.5% | $66,938-87.6% |
| Participation rate | 15.4% | 38.1%-22.6pp | 52.6%-37.1pp | 69.8%-54.4pp |
| Annual return | -21.77% | -16.21%-5.6pp | 338.96%-360.7pp | 1.58%-23.3pp |
| Employer contribution / active EE | $413 | $651-36.5% | $1,160-64.3% | $2,545-83.8% |
| Participant deferral / active EE | $741 | $1,338-44.6% | $2,125-65.1% | $4,238-82.5% |
| Admin fee / account holder | $1,017 | $409+148.9% | $2,131-52.3% | $594+71.3% |