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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 | $214,673 | $79,955+168.5% | $98,461+118.0% | $75,173+185.6% |
| Participation rate | 26.5% | 70.4%-43.9pp | 75.2%-48.7pp | 67.2%-40.7pp |
| Annual return | -9.23% | 19.75%-29.0pp | 21.17%-30.4pp | 160.72%-169.9pp |
| Employer contribution / active EE | $1,160 | $2,264-48.8% | $3,049-62.0% | $2,671-56.6% |
| Participant deferral / active EE | $3,477 | $3,752-7.3% | $4,738-26.6% | $4,126-15.7% |
| Admin fee / account holder | $548 | $6,841-92.0% | $8,961-93.9% | $5,651-90.3% |