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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 | $26,458 | $111,814-76.3% | $103,378-74.4% | $145,978-81.9% |
| Participation rate | 23.1% | 77.9%-54.9pp | 74.5%-51.4pp | 80.3%-57.2pp |
| Annual return | -63.59% | 24.80%-88.4pp | 24.91%-88.5pp | 550.52%-614.1pp |
| Employer contribution / active EE | $1,037 | $4,215-75.4% | $3,870-73.2% | $4,662-77.8% |
| Participant deferral / active EE | $4,257 | $5,618-24.2% | $5,058-15.8% | $6,690-36.4% |
| Admin fee / account holder | $8,427 | $9,764-13.7% | $8,401+0.3% | $13,400-37.1% |