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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 | $29,352 | $27,800+5.6% | $58,544-49.9% | $71,495-58.9% |
| Participation rate | 4.7% | 34.6%-29.9pp | 50.9%-46.2pp | 67.9%-63.3pp |
| Annual return | -4.71% | 26.80%-31.5pp | 4249.56%-4254.3pp | 28.85%-33.6pp |
| Employer contribution / active EE | $100 | $632-84.2% | $1,053-90.5% | $2,589-96.1% |
| Participant deferral / active EE | $434 | $1,208-64.1% | $1,923-77.4% | $4,291-89.9% |
| Admin fee / account holder | $5,131 | $1,637+213.4% | $2,520+103.6% | $1,588+223.2% |