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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 | $76,448 | $73,848+3.5% | $143,799-46.8% | $68,486+11.6% |
| Participation rate | 43.1% | 66.7%-23.5pp | 80.3%-37.2pp | 67.9%-24.8pp |
| Annual return | -19.59% | 0.91%-20.5pp | -0.04%-19.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $908 | $3,184-71.5% | $4,952-81.7% | $2,597-65.0% |
| Participant deferral / active EE | $1,894 | $3,385-44.0% | $5,638-66.4% | $4,028-53.0% |
| Admin fee / account holder | $13,580 | $5,755+136.0% | $14,677-7.5% | $5,404+151.3% |