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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 | $41,414 | $60,139-31.1% | $90,461-54.2% | $79,856-48.1% |
| Participation rate | 31.0% | 65.0%-34.0pp | 72.7%-41.7pp | 69.6%-38.6pp |
| Annual return | -20.02% | 71.96%-92.0pp | 1294.76%-1314.8pp | 31.71%-51.7pp |
| Employer contribution / active EE | $745 | $2,069-64.0% | $3,264-77.2% | $2,471-69.9% |
| Participant deferral / active EE | $1,354 | $2,939-53.9% | $3,964-65.8% | $3,741-63.8% |
| Admin fee / account holder | $546 | $3,978-86.3% | $5,617-90.3% | $5,306-89.7% |