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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 | $58,934 | $45,152+30.5% | $73,836-20.2% | $59,633-1.2% |
| Participation rate | 44.6% | 64.0%-19.4pp | 73.4%-28.8pp | 68.7%-24.1pp |
| Annual return | -7.43% | 27.40%-34.8pp | 2268.06%-2275.5pp | 2041.45%-2048.9pp |
| Employer contribution / active EE | $1,027 | $1,901-46.0% | $2,787-63.1% | $2,203-53.4% |
| Participant deferral / active EE | $2,066 | $2,573-19.7% | $3,583-42.3% | $3,192-35.3% |
| Admin fee / account holder | $11,042 | $3,515+214.2% | $4,882+126.2% | $4,297+157.0% |