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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 | $28,644 | $131,835-78.3% | $108,582-73.6% | $273,972-89.5% |
| Participation rate | 55.0% | 83.5%-28.5pp | 79.6%-24.6pp | 83.0%-28.0pp |
| Annual return | 1.10% | -91.57%+92.7pp | -51.70%+52.8pp | 41.46%-40.4pp |
| Employer contribution / active EE | $3,833 | $4,913-22.0% | $3,758+2.0% | $4,869-21.3% |
| Participant deferral / active EE | $1,935 | $5,127-62.3% | $4,311-55.1% | $5,287-63.4% |
| Admin fee / account holder | $901 | $10,253-91.2% | $7,645-88.2% | $10,133-91.1% |