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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 | $49,088 | $91,537-46.4% | $130,045-62.3% | $75,173-34.7% |
| Participation rate | 53.8% | 71.5%-17.6pp | 78.5%-24.7pp | 67.2%-13.4pp |
| Annual return | 6.62% | -631.55%+638.2pp | -137.30%+143.9pp | 160.72%-154.1pp |
| Employer contribution / active EE | $1,841 | $2,845-35.3% | $4,321-57.4% | $2,671-31.1% |
| Participant deferral / active EE | $3,999 | $4,343-7.9% | $5,820-31.3% | $4,126-3.1% |
| Admin fee / account holder | $1,137 | $6,780-83.2% | $10,600-89.3% | $5,651-79.9% |