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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 | $104,393 | $76,912+35.7% | $129,118-19.1% | $68,486+52.4% |
| Participation rate | 40.0% | 69.1%-29.1pp | 77.2%-37.2pp | 67.9%-27.9pp |
| Annual return | -20.15% | -9.78%-10.4pp | -10.94%-9.2pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,218 | $3,243-62.4% | $5,051-75.9% | $2,597-53.1% |
| Participant deferral / active EE | $2,549 | $4,732-46.1% | $6,539-61.0% | $4,028-36.7% |
| Admin fee / account holder | $5,676 | $6,638-14.5% | $14,305-60.3% | $5,404+5.0% |