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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 | $24,512 | $92,766-73.6% | $82,763-70.4% | $134,545-81.8% |
| Participation rate | 43.8% | 75.2%-31.5pp | 72.6%-28.8pp | 81.2%-37.5pp |
| Annual return | -22.79% | 946.97%-969.8pp | 702.45%-725.2pp | 418.37%-441.2pp |
| Employer contribution / active EE | $2,272 | $3,273-30.6% | $3,008-24.5% | $4,742-52.1% |
| Participant deferral / active EE | $4,955 | $4,802+3.2% | $4,395+12.7% | $6,401-22.6% |
| Admin fee / account holder | $2,857 | $5,978-52.2% | $5,325-46.3% | $11,431-75.0% |