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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 | $99,870 | $48,235+107.1% | $68,803+45.2% | $68,490+45.8% |
| Participation rate | 30.0% | 60.7%-30.7pp | 69.0%-39.0pp | 67.9%-37.9pp |
| Annual return | -19.85% | -12.70%-7.1pp | -6.37%-13.5pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,654 | $1,829-9.6% | $2,656-37.7% | $2,597-36.3% |
| Participant deferral / active EE | $2,256 | $2,867-21.3% | $3,942-42.8% | $4,028-44.0% |
| Admin fee / account holder | $4,071 | $4,361-6.6% | $4,936-17.5% | $5,403-24.6% |