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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 | $22,819 | $27,632-17.4% | $61,452-62.9% | $68,486-66.7% |
| Participation rate | 4.5% | 39.5%-35.0pp | 52.6%-48.0pp | 67.9%-63.3pp |
| Annual return | -23.85% | -13.24%-10.6pp | 338.96%-362.8pp | -7.85%-16.0pp |
| Employer contribution / active EE | $167 | $696-76.0% | $1,160-85.6% | $2,597-93.6% |
| Participant deferral / active EE | $1,106 | $1,264-12.5% | $2,125-47.9% | $4,028-72.5% |
| Admin fee / account holder | $317 | $2,010-84.2% | $2,131-85.1% | $5,404-94.1% |