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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 | $15,616 | $27,243-42.7% | $52,425-70.2% | $79,634-80.4% |
| Participation rate | 4.4% | 22.4%-18.0pp | 55.6%-51.2pp | 62.5%-58.1pp |
| Annual return | -10.75% | 63.36%-74.1pp | 302.12%-312.9pp | 36.46%-47.2pp |
| Employer contribution / active EE | $0 | $319-100.0% | $914-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $325 | $636-48.9% | $1,790-81.9% | $3,835-91.5% |
| Admin fee / account holder | $3,520 | $2,105+67.3% | $2,495+41.1% | $1,002+251.4% |