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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 | $91,445 | $72,177+26.7% | $115,038-20.5% | $59,633+53.3% |
| Participation rate | 25.0% | 72.6%-47.6pp | 81.4%-56.4pp | 68.7%-43.7pp |
| Annual return | -3.59% | 12.02%-15.6pp | 26.14%-29.7pp | 2041.45%-2045.0pp |
| Employer contribution / active EE | $530 | $2,841-81.3% | $4,608-88.5% | $2,203-75.9% |
| Participant deferral / active EE | $2,201 | $4,783-54.0% | $6,026-63.5% | $3,192-31.0% |
| Admin fee / account holder | $856 | $4,927-82.6% | $8,175-89.5% | $4,297-80.1% |