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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 | $44,475 | $49,177-9.6% | $79,467-44.0% | $64,173-30.7% |
| Participation rate | 37.7% | 65.0%-27.3pp | 73.3%-35.6pp | 69.6%-31.8pp |
| Annual return | -11.77% | -1.16%-10.6pp | 718.30%-730.1pp | 7.63%-19.4pp |
| Employer contribution / active EE | $1,043 | $2,076-49.8% | $2,800-62.7% | $2,381-56.2% |
| Participant deferral / active EE | $2,829 | $2,821+0.3% | $3,704-23.6% | $3,470-18.5% |
| Admin fee / account holder | $6,317 | $3,839+64.5% | $5,104+23.8% | $4,887+29.2% |