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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 | $79,066 | $82,630-4.3% | $64,105+23.3% | $125,389-36.9% |
| Participation rate | 44.4% | 75.9%-31.4pp | 68.2%-23.7pp | 83.2%-38.7pp |
| Annual return | -7.15% | 1489.72%-1496.9pp | 791.24%-798.4pp | 282.24%-289.4pp |
| Employer contribution / active EE | $1,973 | $2,671-26.1% | $1,820+8.4% | $4,866-59.4% |
| Participant deferral / active EE | $4,977 | $3,608+37.9% | $2,822+76.4% | $5,352-7.0% |
| Admin fee / account holder | $422 | $6,382-93.4% | $4,499-90.6% | $9,541-95.6% |