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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 | $190,289 | $59,813+218.1% | $79,580+139.1% | $68,486+177.9% |
| Participation rate | 21.6% | 61.1%-39.4pp | 69.5%-47.9pp | 67.9%-46.3pp |
| Annual return | -20.09% | -12.30%-7.8pp | 0.15%-20.2pp | -7.85%-12.2pp |
| Employer contribution / active EE | $741 | $1,505-50.8% | $2,413-69.3% | $2,597-71.5% |
| Participant deferral / active EE | $2,216 | $3,024-26.7% | $3,985-44.4% | $4,028-45.0% |
| Admin fee / account holder | $831 | $4,835-82.8% | $6,835-87.8% | $5,404-84.6% |