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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 | $29,741 | $111,785-73.4% | $93,669-68.2% | $145,877-79.6% |
| Participation rate | 26.7% | 74.2%-47.6pp | 68.7%-42.1pp | 80.3%-53.6pp |
| Annual return | -34.33% | 203.79%-238.1pp | 133.59%-167.9pp | 551.28%-585.6pp |
| Employer contribution / active EE | $0 | $3,096-100.0% | $2,424-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,869 | $4,919-21.3% | $4,416-12.4% | $6,691-42.2% |
| Admin fee / account holder | $10,914 | $10,256+6.4% | $8,291+31.6% | $13,402-18.6% |