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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 | $72,483 | $56,197+29.0% | $67,652+7.1% | $59,633+21.5% |
| Participation rate | 50.0% | 71.5%-21.5pp | 75.7%-25.7pp | 68.7%-18.7pp |
| Annual return | -2.67% | 18508.10%-18510.8pp | 6625.40%-6628.1pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $1,101 | $1,615-31.8% | $2,266-51.4% | $2,203-50.0% |
| Participant deferral / active EE | $2,202 | $2,844-22.6% | $3,560-38.1% | $3,192-31.0% |
| Admin fee / account holder | $1,153 | $3,958-70.9% | $4,821-76.1% | $4,297-73.2% |