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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 | $70,063 | $73,955-5.3% | $96,520-27.4% | $75,181-6.8% |
| Participation rate | 48.1% | 66.4%-18.3pp | 74.3%-26.2pp | 67.2%-19.1pp |
| Annual return | -4.60% | 26.72%-31.3pp | 35.72%-40.3pp | 160.69%-165.3pp |
| Employer contribution / active EE | $1,251 | $2,930-57.3% | $3,739-66.5% | $2,671-53.2% |
| Participant deferral / active EE | $2,362 | $3,659-35.5% | $4,879-51.6% | $4,126-42.8% |
| Admin fee / account holder | $18,504 | $5,217+254.7% | $6,733+174.8% | $5,650+227.5% |