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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 | $89,467 | $42,383+111.1% | $76,523+16.9% | $64,181+39.4% |
| Participation rate | 37.3% | 58.1%-20.9pp | 68.0%-30.7pp | 69.6%-32.3pp |
| Annual return | -9.12% | -16.54%+7.4pp | -0.27%-8.9pp | 7.63%-16.8pp |
| Employer contribution / active EE | $682 | $1,563-56.4% | $2,647-74.2% | $2,381-71.3% |
| Participant deferral / active EE | $2,060 | $2,566-19.7% | $3,835-46.3% | $3,470-40.6% |
| Admin fee / account holder | $531 | $3,198-83.4% | $4,848-89.1% | $4,887-89.1% |