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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 | $33,502 | $180,462-81.4% | $154,111-78.3% | $135,379-75.3% |
| Participation rate | 40.0% | 87.4%-47.4pp | 83.0%-43.0pp | 82.6%-42.6pp |
| Annual return | -35.45% | 888.17%-923.6pp | 735.18%-770.6pp | 519.79%-555.2pp |
| Employer contribution / active EE | $1,948 | $6,036-67.7% | $5,298-63.2% | $4,779-59.2% |
| Participant deferral / active EE | $6,235 | $5,806+7.4% | $5,081+22.7% | $5,609+11.2% |
| Admin fee / account holder | $7,935 | $16,145-50.9% | $13,411-40.8% | $10,828-26.7% |