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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 | $47,244 | $168,635-72.0% | $147,617-68.0% | $125,389-62.3% |
| Participation rate | 25.0% | 88.8%-63.8pp | 84.6%-59.6pp | 83.2%-58.2pp |
| Annual return | -8.93% | 77.65%-86.6pp | 61.98%-70.9pp | 282.24%-291.2pp |
| Employer contribution / active EE | $1,801 | $6,252-71.2% | $5,564-67.6% | $4,866-63.0% |
| Participant deferral / active EE | $3,615 | $5,507-34.4% | $4,895-26.2% | $5,352-32.5% |
| Admin fee / account holder | $2,425 | $13,580-82.1% | $11,612-79.1% | $9,541-74.6% |