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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 | $75,273 | $64,729+16.3% | $112,263-32.9% | $68,490+9.9% |
| Participation rate | 42.3% | 67.2%-24.8pp | 75.1%-32.8pp | 67.9%-25.6pp |
| Annual return | -20.41% | -11.40%-9.0pp | 27.49%-47.9pp | -7.85%-12.6pp |
| Employer contribution / active EE | $759 | $2,746-72.4% | $3,636-79.1% | $2,597-70.8% |
| Participant deferral / active EE | $2,582 | $3,566-27.6% | $4,729-45.4% | $4,028-35.9% |
| Admin fee / account holder | $7,313 | $5,222+40.1% | $6,410+14.1% | $5,403+35.4% |