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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 | $20,325 | $44,850-54.7% | $60,547-66.4% | $59,633-65.9% |
| Participation rate | 48.0% | 59.5%-11.5pp | 68.0%-20.0pp | 68.7%-20.7pp |
| Annual return | -3.13% | 1074.14%-1077.3pp | 335.64%-338.8pp | 2041.40%-2044.5pp |
| Employer contribution / active EE | $1,395 | $1,462-4.6% | $2,419-42.4% | $2,203-36.7% |
| Participant deferral / active EE | $2,027 | $2,230-9.1% | $3,328-39.1% | $3,192-36.5% |
| Admin fee / account holder | $4,203 | $3,635+15.6% | $4,536-7.4% | $4,297-2.2% |