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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 | $49,954 | $44,850+11.4% | $60,547-17.5% | $59,633-16.2% |
| Participation rate | 28.1% | 59.5%-31.3pp | 68.0%-39.8pp | 68.7%-40.5pp |
| Annual return | -3.03% | 1074.14%-1077.2pp | 335.64%-338.7pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $221 | $1,462-84.9% | $2,419-90.9% | $2,203-90.0% |
| Participant deferral / active EE | $1,744 | $2,230-21.8% | $3,328-47.6% | $3,192-45.3% |
| Admin fee / account holder | $3,680 | $3,635+1.2% | $4,536-18.9% | $4,297-14.4% |