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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 | $236,096 | $160,040+47.5% | $147,096+60.5% | $145,877+61.8% |
| Participation rate | 47.8% | 84.0%-36.2pp | 82.2%-34.4pp | 80.3%-32.5pp |
| Annual return | -25.41% | 98.49%-123.9pp | 419.75%-445.2pp | 551.28%-576.7pp |
| Employer contribution / active EE | $1,484 | $5,289-71.9% | $4,936-69.9% | $4,663-68.2% |
| Participant deferral / active EE | $3,833 | $8,429-54.5% | $8,071-52.5% | $6,691-42.7% |
| Admin fee / account holder | $1,813 | $15,050-88.0% | $13,005-86.1% | $13,402-86.5% |