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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 | $40,894 | $56,197-27.2% | $67,652-39.6% | $59,633-31.4% |
| Participation rate | 55.9% | 71.5%-15.5pp | 75.7%-19.7pp | 68.7%-12.7pp |
| Annual return | -2.79% | 18508.10%-18510.9pp | 6625.40%-6628.2pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $317 | $1,615-80.4% | $2,266-86.0% | $2,203-85.6% |
| Participant deferral / active EE | $3,279 | $2,844+15.3% | $3,560-7.9% | $3,192+2.7% |
| Admin fee / account holder | $3,143 | $3,958-20.6% | $4,821-34.8% | $4,297-26.8% |