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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 | $176,873 | $59,839+195.6% | $81,991+115.7% | $79,852+121.5% |
| Participation rate | 17.2% | 61.6%-44.4pp | 69.3%-52.0pp | 69.6%-52.4pp |
| Annual return | -6.62% | 17.56%-24.2pp | 41.31%-47.9pp | 31.72%-38.3pp |
| Employer contribution / active EE | $686 | $1,713-60.0% | $2,498-72.5% | $2,471-72.2% |
| Participant deferral / active EE | $1,377 | $2,695-48.9% | $3,722-63.0% | $3,740-63.2% |
| Admin fee / account holder | $3,746 | $4,287-12.6% | $5,665-33.9% | $5,306-29.4% |