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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 | $162,406 | $62,583+159.5% | $76,767+111.6% | $64,173+153.1% |
| Participation rate | 28.0% | 72.8%-44.8pp | 77.0%-49.0pp | 69.6%-41.6pp |
| Annual return | -8.51% | -1.95%-6.6pp | 2.43%-10.9pp | 7.63%-16.1pp |
| Employer contribution / active EE | $1,064 | $1,832-41.9% | $2,485-57.2% | $2,381-55.3% |
| Participant deferral / active EE | $2,606 | $3,145-17.1% | $3,852-32.3% | $3,470-24.9% |
| Admin fee / account holder | $1,034 | $4,667-77.8% | $6,675-84.5% | $4,887-78.8% |