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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 | $69,389 | $81,494-14.9% | $133,978-48.2% | $73,497-5.6% |
| Participation rate | 53.6% | 76.4%-22.8pp | 79.8%-26.3pp | 70.7%-17.1pp |
| Annual return | -5.18% | 19.40%-24.6pp | 45.10%-50.3pp | 28.51%-33.7pp |
| Employer contribution / active EE | $1,207 | $2,210-45.4% | $3,919-69.2% | $2,270-46.8% |
| Participant deferral / active EE | $2,707 | $3,787-28.5% | $5,047-46.4% | $3,740-27.6% |
| Admin fee / account holder | $4,242 | $713+494.7% | $8,930-52.5% | $513+726.9% |