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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 | $53,932 | $180,466-70.1% | $154,114-65.0% | $135,382-60.2% |
| Participation rate | 58.8% | 87.4%-28.6pp | 83.0%-24.2pp | 82.6%-23.8pp |
| Annual return | -11.12% | 888.15%-899.3pp | 735.16%-746.3pp | 519.77%-530.9pp |
| Employer contribution / active EE | $1,320 | $6,035-78.1% | $5,298-75.1% | $4,779-72.4% |
| Participant deferral / active EE | $3,717 | $5,806-36.0% | $5,081-26.8% | $5,609-33.7% |
| Admin fee / account holder | $564 | $16,144-96.5% | $13,411-95.8% | $10,829-94.8% |