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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 | $127,951 | $73,863+73.2% | $143,797-11.0% | $68,490+86.8% |
| Participation rate | 39.5% | 66.7%-27.1pp | 80.3%-40.8pp | 67.9%-28.4pp |
| Annual return | -19.84% | 0.91%-20.8pp | -0.04%-19.8pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,126 | $3,185-64.7% | $4,952-77.3% | $2,597-56.7% |
| Participant deferral / active EE | $2,469 | $3,385-27.1% | $5,638-56.2% | $4,028-38.7% |
| Admin fee / account holder | $630 | $5,756-89.1% | $14,679-95.7% | $5,403-88.3% |