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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 | $69,691 | $50,947+36.8% | $74,549-6.5% | $64,173+8.6% |
| Participation rate | 42.6% | 61.1%-18.4pp | 69.1%-26.5pp | 69.6%-26.9pp |
| Annual return | -9.18% | -1.85%-7.3pp | 32.53%-41.7pp | 7.63%-16.8pp |
| Employer contribution / active EE | $543 | $1,115-51.4% | $1,961-72.3% | $2,381-77.2% |
| Participant deferral / active EE | $2,226 | $2,302-3.3% | $3,108-28.4% | $3,470-35.8% |
| Admin fee / account holder | $1,812 | $4,221-57.1% | $5,059-64.2% | $4,887-62.9% |