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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 | $29,748 | $39,798-25.3% | $67,704-56.1% | $59,633-50.1% |
| Participation rate | 59.5% | 57.4%+2.2pp | 67.5%-8.0pp | 68.7%-9.1pp |
| Annual return | -3.19% | 89.94%-93.1pp | 25.41%-28.6pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $1,987 | $1,393+42.6% | $2,559-22.4% | $2,203-9.8% |
| Participant deferral / active EE | $2,587 | $2,335+10.8% | $3,585-27.8% | $3,192-18.9% |
| Admin fee / account holder | $1,249 | $3,212-61.1% | $4,255-70.6% | $4,297-70.9% |