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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 | $179,269 | $126,113+42.1% | $116,096+54.4% | $155,188+15.5% |
| Participation rate | 43.8% | 75.1%-31.4pp | 73.3%-29.6pp | 80.8%-37.1pp |
| Annual return | -55.05% | 391.72%-446.8pp | 326.25%-381.3pp | 148.84%-203.9pp |
| Employer contribution / active EE | $1,748 | $2,672-34.6% | $2,503-30.2% | $4,248-58.9% |
| Participant deferral / active EE | $2,047 | $4,162-50.8% | $3,952-48.2% | $6,531-68.7% |
| Admin fee / account holder | $578 | $8,045-92.8% | $7,704-92.5% | $14,480-96.0% |