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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 | $18,801 | $44,850-58.1% | $60,547-68.9% | $59,633-68.5% |
| Participation rate | 51.5% | 59.5%-8.0pp | 68.0%-16.4pp | 68.7%-17.2pp |
| Annual return | -3.53% | 1074.14%-1077.7pp | 335.64%-339.2pp | 2041.40%-2044.9pp |
| Employer contribution / active EE | $513 | $1,462-64.9% | $2,419-78.8% | $2,203-76.7% |
| Participant deferral / active EE | $1,093 | $2,230-51.0% | $3,328-67.2% | $3,192-65.8% |
| Admin fee / account holder | $3,172 | $3,635-12.7% | $4,536-30.1% | $4,297-26.2% |