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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 | $83,643 | $172,111-51.4% | $150,298-44.3% | $137,256-39.1% |
| Participation rate | 38.5% | 81.7%-43.3pp | 77.8%-39.3pp | 80.0%-41.5pp |
| Annual return | -28.52% | 69.37%-97.9pp | 62.79%-91.3pp | 220.34%-248.9pp |
| Employer contribution / active EE | $1,017 | $4,636-78.1% | $4,154-75.5% | $4,156-75.5% |
| Participant deferral / active EE | $4,773 | $6,166-22.6% | $5,453-12.5% | $6,407-25.5% |
| Admin fee / account holder | $1,662 | $16,471-89.9% | $14,116-88.2% | $12,270-86.5% |