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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 | $26,343 | $39,798-33.8% | $67,704-61.1% | $59,633-55.8% |
| Participation rate | 51.5% | 57.4%-5.8pp | 67.5%-16.0pp | 68.7%-17.2pp |
| Annual return | -5.83% | 89.94%-95.8pp | 25.41%-31.2pp | 2041.45%-2047.3pp |
| Employer contribution / active EE | $2,443 | $1,393+75.4% | $2,559-4.5% | $2,203+10.9% |
| Participant deferral / active EE | $5,562 | $2,335+138.2% | $3,585+55.1% | $3,192+74.3% |
| Admin fee / account holder | $2,442 | $3,212-24.0% | $4,255-42.6% | $4,297-43.2% |