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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 | $46,050 | $56,197-18.1% | $67,652-31.9% | $59,633-22.8% |
| Participation rate | 47.6% | 71.5%-23.9pp | 75.7%-28.0pp | 68.7%-21.1pp |
| Annual return | -3.05% | 18508.10%-18511.2pp | 6625.40%-6628.4pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,673 | $2,844-41.2% | $3,560-53.0% | $3,192-47.6% |
| Admin fee / account holder | $866 | $3,958-78.1% | $4,821-82.0% | $4,297-79.9% |