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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 | $45,765 | $115,796-60.5% | $101,264-54.8% | $158,950-71.2% |
| Participation rate | 50.0% | 79.4%-29.4pp | 75.8%-25.8pp | 82.0%-32.0pp |
| Annual return | -11.73% | 56.15%-67.9pp | 46.48%-58.2pp | 302.91%-314.6pp |
| Employer contribution / active EE | $1,284 | $4,175-69.2% | $3,660-64.9% | $4,762-73.0% |
| Participant deferral / active EE | $1,425 | $4,958-71.3% | $4,370-67.4% | $5,983-76.2% |
| Admin fee / account holder | $467 | $7,247-93.6% | $5,947-92.2% | $11,248-95.9% |