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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 | $23,909 | $56,197-57.5% | $67,652-64.7% | $59,633-59.9% |
| Participation rate | 47.2% | 71.5%-24.2pp | 75.7%-28.4pp | 68.7%-21.4pp |
| Annual return | -3.27% | 18508.10%-18511.4pp | 6625.40%-6628.7pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $935 | $1,615-42.1% | $2,266-58.7% | $2,203-57.5% |
| Participant deferral / active EE | $1,411 | $2,844-50.4% | $3,560-60.4% | $3,192-55.8% |
| Admin fee / account holder | $7,526 | $3,958+90.2% | $4,821+56.1% | $4,297+75.2% |