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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 | $94,294 | $54,162+74.1% | $68,612+37.4% | $64,173+46.9% |
| Participation rate | 11.8% | 68.1%-56.3pp | 72.2%-60.5pp | 69.6%-57.8pp |
| Annual return | -9.40% | -1.62%-7.8pp | -4.63%-4.8pp | 7.63%-17.0pp |
| Employer contribution / active EE | $359 | $1,846-80.5% | $2,625-86.3% | $2,381-84.9% |
| Participant deferral / active EE | $2,143 | $2,626-18.4% | $3,311-35.3% | $3,470-38.2% |
| Admin fee / account holder | $2,071 | $4,029-48.6% | $5,131-59.6% | $4,887-57.6% |