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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 | $27,091 | $45,566-40.5% | $64,105-57.7% | $59,633-54.6% |
| Participation rate | 49.0% | 60.2%-11.2pp | 68.2%-19.2pp | 68.7%-19.7pp |
| Annual return | -4.71% | 4.95%-9.7pp | 791.24%-796.0pp | 2041.40%-2046.1pp |
| Employer contribution / active EE | $642 | $934-31.3% | $1,820-64.7% | $2,203-70.8% |
| Participant deferral / active EE | $1,365 | $2,057-33.6% | $2,822-51.6% | $3,192-57.2% |
| Admin fee / account holder | $1,485 | $3,268-54.6% | $4,499-67.0% | $4,297-65.5% |