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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 | $22,478 | $56,197-60.0% | $67,652-66.8% | $59,633-62.3% |
| Participation rate | 46.9% | 71.5%-24.5pp | 75.7%-28.7pp | 68.7%-21.7pp |
| Annual return | -2.95% | 18508.10%-18511.1pp | 6625.40%-6628.4pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $3,057 | $1,615+89.3% | $2,266+34.9% | $2,203+38.8% |
| Participant deferral / active EE | $3,728 | $2,844+31.1% | $3,560+4.7% | $3,192+16.8% |
| Admin fee / account holder | $533 | $3,958-86.5% | $4,821-89.0% | $4,297-87.6% |