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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 | $39,362 | $160,028-75.4% | $147,080-73.2% | $145,884-73.0% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | -4.78% | 98.60%-103.4pp | 420.17%-424.9pp | 551.85%-556.6pp |
| Employer contribution / active EE | $5,393 | $5,286+2.0% | $4,933+9.3% | $4,662+15.7% |
| Participant deferral / active EE | $5,657 | $8,422-32.8% | $8,066-29.9% | $6,690-15.4% |
| Admin fee / account holder | $6,431 | $15,030-57.2% | $12,989-50.5% | $13,392-52.0% |