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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 | $232,423 | $138,068+68.3% | $125,358+85.4% | $134,493+72.8% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -21.93% | 750.30%-772.2pp | 572.03%-594.0pp | 418.01%-439.9pp |
| Employer contribution / active EE | $2,455 | $5,244-53.2% | $4,814-49.0% | $4,740-48.2% |
| Participant deferral / active EE | $5,749 | $7,799-26.3% | $7,447-22.8% | $6,400-10.2% |
| Admin fee / account holder | $5,176 | $11,568-55.3% | $10,007-48.3% | $11,425-54.7% |