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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 | $144,460 | $50,947+183.5% | $74,551+93.8% | $64,173+125.1% |
| Participation rate | 16.7% | 61.1%-44.4pp | 69.1%-52.5pp | 69.6%-52.9pp |
| Annual return | -8.59% | -1.85%-6.7pp | 32.53%-41.1pp | 7.63%-16.2pp |
| Employer contribution / active EE | $472 | $1,115-57.7% | $1,961-75.9% | $2,381-80.2% |
| Participant deferral / active EE | $1,645 | $2,302-28.5% | $3,108-47.1% | $3,470-52.6% |
| Admin fee / account holder | $3,384 | $4,221-19.8% | $5,059-33.1% | $4,887-30.8% |