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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 | $154,621 | $129,737+19.2% | $119,126+29.8% | $154,746-0.1% |
| Participation rate | 50.0% | 78.9%-28.9pp | 75.8%-25.8pp | 80.7%-30.7pp |
| Annual return | -23.07% | 379.08%-402.2pp | 282.11%-305.2pp | 172.34%-195.4pp |
| Employer contribution / active EE | $2,201 | $4,375-49.7% | $4,034-45.4% | $4,379-49.7% |
| Participant deferral / active EE | $4,759 | $5,842-18.5% | $5,318-10.5% | $6,730-29.3% |
| Admin fee / account holder | $13,182 | $11,961+10.2% | $10,693+23.3% | $14,365-8.2% |