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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 | $178,927 | $135,645+31.9% | $110,243+62.3% | $135,379+32.2% |
| Participation rate | 50.0% | 83.5%-33.5pp | 79.8%-29.8pp | 82.6%-32.6pp |
| Annual return | -9.13% | 513.24%-522.4pp | 314.76%-323.9pp | 519.79%-528.9pp |
| Employer contribution / active EE | $1,802 | $4,907-63.3% | $3,827-52.9% | $4,779-62.3% |
| Participant deferral / active EE | $4,433 | $5,507-19.5% | $4,672-5.1% | $5,609-21.0% |
| Admin fee / account holder | $1,605 | $11,458-86.0% | $8,548-81.2% | $10,828-85.2% |