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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 | $95,281 | $59,834+59.2% | $79,576+19.7% | $68,495+39.1% |
| Participation rate | 44.0% | 61.1%-17.1pp | 69.5%-25.5pp | 67.9%-23.9pp |
| Annual return | -19.97% | -12.30%-7.7pp | 0.15%-20.1pp | -7.84%-12.1pp |
| Employer contribution / active EE | $1,164 | $1,505-22.7% | $2,413-51.8% | $2,596-55.2% |
| Participant deferral / active EE | $1,859 | $3,024-38.5% | $3,985-53.4% | $4,028-53.8% |
| Admin fee / account holder | $2,327 | $4,835-51.9% | $6,834-65.9% | $5,403-56.9% |