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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 | $49,244 | $88,585-44.4% | $69,884-29.5% | $134,532-63.4% |
| Participation rate | 52.2% | 74.9%-22.7pp | 70.5%-18.3pp | 81.2%-29.1pp |
| Annual return | -21.35% | 442.80%-464.2pp | 190.81%-212.2pp | 418.27%-439.6pp |
| Employer contribution / active EE | $850 | $3,235-73.7% | $2,560-66.8% | $4,741-82.1% |
| Participant deferral / active EE | $4,305 | $4,770-9.7% | $3,848+11.9% | $6,401-32.7% |
| Admin fee / account holder | $1,112 | $10,441-89.3% | $6,266-82.2% | $11,429-90.3% |