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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 | $53,503 | $56,197-4.8% | $67,652-20.9% | $59,633-10.3% |
| Participation rate | 55.0% | 71.5%-16.5pp | 75.7%-20.7pp | 68.7%-13.7pp |
| Annual return | -3.78% | 18508.10%-18511.9pp | 6625.40%-6629.2pp | 2041.45%-2045.2pp |
| Employer contribution / active EE | $1,334 | $1,615-17.4% | $2,266-41.1% | $2,203-39.5% |
| Participant deferral / active EE | $2,727 | $2,844-4.1% | $3,560-23.4% | $3,192-14.6% |
| Admin fee / account holder | $2,507 | $3,958-36.7% | $4,821-48.0% | $4,297-41.7% |