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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 | $69,308 | $60,989+13.6% | $60,899+13.8% | $66,930+3.6% |
| Participation rate | 49.5% | 74.5%-25.0pp | 73.1%-23.6pp | 69.8%-20.3pp |
| Annual return | -18.47% | -9.60%-8.9pp | 16.92%-35.4pp | 1.57%-20.0pp |
| Employer contribution / active EE | $1,102 | $2,661-58.6% | $2,702-59.2% | $2,545-56.7% |
| Participant deferral / active EE | $2,418 | $3,615-33.1% | $3,817-36.6% | $4,238-42.9% |
| Admin fee / account holder | $4,355 | $338+1186.6% | $3,225+35.0% | $593+633.8% |