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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 | $80,764 | $69,977+15.4% | $108,582-25.6% | $62,881+28.4% |
| Participation rate | 53.5% | 72.9%-19.4pp | 79.6%-26.1pp | 69.3%-15.8pp |
| Annual return | -1.83% | 10.73%-12.6pp | -51.70%+49.9pp | 20.14%-22.0pp |
| Employer contribution / active EE | $1,365 | $2,135-36.1% | $3,758-63.7% | $2,281-40.2% |
| Participant deferral / active EE | $2,802 | $3,165-11.5% | $4,311-35.0% | $3,203-12.5% |
| Admin fee / account holder | $2,691 | $5,076-47.0% | $7,645-64.8% | $4,296-37.4% |