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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 | $108,948 | $180,459-39.6% | $154,108-29.3% | $135,380-19.5% |
| Participation rate | 40.0% | 87.4%-47.4pp | 83.0%-43.0pp | 82.6%-42.6pp |
| Annual return | -10.46% | 888.21%-898.7pp | 735.21%-745.7pp | 519.81%-530.3pp |
| Employer contribution / active EE | $5,910 | $6,035-2.1% | $5,298+11.6% | $4,779+23.7% |
| Participant deferral / active EE | $4,477 | $5,806-22.9% | $5,081-11.9% | $5,609-20.2% |
| Admin fee / account holder | $964 | $16,145-94.0% | $13,411-92.8% | $10,828-91.1% |