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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 | $40,608 | $56,199-27.7% | $67,652-40.0% | $59,632-31.9% |
| Participation rate | 67.9% | 71.5%-3.5pp | 75.7%-7.7pp | 68.7%-0.7pp |
| Annual return | -3.09% | 18505.31%-18508.4pp | 6625.04%-6628.1pp | 2041.32%-2044.4pp |
| Employer contribution / active EE | $1,272 | $1,614-21.2% | $2,266-43.8% | $2,203-42.2% |
| Participant deferral / active EE | $3,433 | $2,844+20.7% | $3,560-3.6% | $3,192+7.6% |
| Admin fee / account holder | $4,132 | $3,958+4.4% | $4,821-14.3% | $4,297-3.8% |