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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 | $13,277 | $92,684-85.7% | $82,706-83.9% | $134,509-90.1% |
| Participation rate | 40.0% | 75.2%-35.2pp | 72.6%-32.6pp | 81.2%-41.2pp |
| Annual return | -23.94% | 945.84%-969.8pp | 701.76%-725.7pp | 418.13%-442.1pp |
| Employer contribution / active EE | $3,003 | $3,272-8.2% | $3,007-0.2% | $4,741-36.7% |
| Participant deferral / active EE | $7,086 | $4,800+47.6% | $4,394+61.3% | $6,400+10.7% |
| Admin fee / account holder | $5,918 | $5,982-1.1% | $5,329+11.1% | $11,427-48.2% |