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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 | $104,396 | $92,684+12.6% | $82,706+26.2% | $134,509-22.4% |
| Participation rate | 33.3% | 75.2%-41.9pp | 72.6%-39.2pp | 81.2%-47.9pp |
| Annual return | -21.28% | 945.84%-967.1pp | 701.76%-723.0pp | 418.13%-439.4pp |
| Employer contribution / active EE | $4,381 | $3,272+33.9% | $3,007+45.7% | $4,741-7.6% |
| Participant deferral / active EE | $4,189 | $4,800-12.7% | $4,394-4.7% | $6,400-34.5% |
| Admin fee / account holder | $1,264 | $5,982-78.9% | $5,329-76.3% | $11,427-88.9% |