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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 | $156,325 | $73,009+114.1% | $90,760+72.2% | $68,486+128.3% |
| Participation rate | 64.3% | 70.8%-6.5pp | 75.7%-11.4pp | 67.9%-3.6pp |
| Annual return | -22.37% | -13.81%-8.6pp | -12.16%-10.2pp | -7.85%-14.5pp |
| Employer contribution / active EE | $826 | $2,193-62.3% | $2,922-71.7% | $2,597-68.2% |
| Participant deferral / active EE | $1,586 | $3,626-56.3% | $4,565-65.3% | $4,028-60.6% |
| Admin fee / account holder | $2,307 | $5,896-60.9% | $8,444-72.7% | $5,404-57.3% |