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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 | $103,241 | $60,119+71.7% | $90,430+14.2% | $79,858+29.3% |
| Participation rate | 50.7% | 65.0%-14.3pp | 72.7%-22.0pp | 69.6%-19.0pp |
| Annual return | -29.14% | 71.94%-101.1pp | 1293.73%-1322.9pp | 31.72%-60.9pp |
| Employer contribution / active EE | $575 | $2,068-72.2% | $3,262-82.4% | $2,471-76.7% |
| Participant deferral / active EE | $2,868 | $2,938-2.4% | $3,963-27.6% | $3,740-23.3% |
| Admin fee / account holder | $1,520 | $3,976-61.8% | $5,613-72.9% | $5,306-71.3% |