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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 | $20,747 | $29,667-30.1% | $56,441-63.2% | $80,874-74.3% |
| Participation rate | 63.6% | 41.7%+22.0pp | 52.5%+11.1pp | 67.6%-4.0pp |
| Annual return | -9.31% | 35.22%-44.5pp | 1704.21%-1713.5pp | 35.62%-44.9pp |
| Employer contribution / active EE | $955 | $669+42.7% | $1,039-8.1% | $2,756-65.3% |
| Participant deferral / active EE | $1,959 | $1,227+59.7% | $1,953+0.3% | $4,297-54.4% |
| Admin fee / account holder | $1,501 | $2,429-38.2% | $2,829-46.9% | $6,935-78.4% |