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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 | $61,121 | $97,729-37.5% | $83,830-27.1% | $135,379-54.9% |
| Participation rate | 50.0% | 80.0%-30.0pp | 76.1%-26.1pp | 82.6%-32.6pp |
| Annual return | -9.80% | 1287.52%-1297.3pp | 850.97%-860.8pp | 519.79%-529.6pp |
| Employer contribution / active EE | $1,315 | $4,222-68.8% | $3,631-63.8% | $4,779-72.5% |
| Participant deferral / active EE | $3,000 | $4,683-35.9% | $4,082-26.5% | $5,609-46.5% |
| Admin fee / account holder | $937 | $6,674-86.0% | $5,479-82.9% | $10,828-91.3% |