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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 | $11,630 | $27,632-57.9% | $61,399-81.1% | $68,495-83.0% |
| Participation rate | 51.3% | 39.5%+11.8pp | 52.6%-1.3pp | 67.9%-16.6pp |
| Annual return | -26.08% | -13.24%-12.8pp | 338.81%-364.9pp | -7.84%-18.2pp |
| Employer contribution / active EE | $1,051 | $696+51.1% | $1,159-9.3% | $2,596-59.5% |
| Participant deferral / active EE | $1,929 | $1,264+52.7% | $2,124-9.2% | $4,028-52.1% |
| Admin fee / account holder | $331 | $2,010-83.5% | $2,131-84.5% | $5,403-93.9% |