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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 | $45,963 | $56,197-18.2% | $67,652-32.1% | $59,633-22.9% |
| Participation rate | 45.1% | 71.5%-26.4pp | 75.7%-30.6pp | 68.7%-23.6pp |
| Annual return | -4.74% | 18508.10%-18512.8pp | 6625.40%-6630.1pp | 2041.45%-2046.2pp |
| Employer contribution / active EE | $926 | $1,615-42.7% | $2,266-59.1% | $2,203-58.0% |
| Participant deferral / active EE | $1,348 | $2,844-52.6% | $3,560-62.1% | $3,192-57.8% |
| Admin fee / account holder | $8,006 | $3,958+102.3% | $4,821+66.1% | $4,297+86.3% |