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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 | $137,672 | $96,388+42.8% | $80,627+70.8% | $139,466-1.3% |
| Participation rate | 54.5% | 73.6%-19.1pp | 67.0%-12.5pp | 80.3%-25.8pp |
| Annual return | -6.53% | 1352.08%-1358.6pp | 936.76%-943.3pp | 373.66%-380.2pp |
| Employer contribution / active EE | $1,430 | $3,260-56.1% | $2,723-47.5% | $4,754-69.9% |
| Participant deferral / active EE | $3,843 | $5,224-26.4% | $4,443-13.5% | $6,712-42.7% |
| Admin fee / account holder | $636 | $6,603-90.4% | $5,381-88.2% | $11,409-94.4% |