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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 | $89,354 | $54,380+64.3% | $68,509+30.4% | $59,633+49.8% |
| Participation rate | 68.8% | 70.2%-1.4pp | 74.7%-6.0pp | 68.7%+0.1pp |
| Annual return | -4.85% | 2.83%-7.7pp | 8.27%-13.1pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $679 | $1,539-55.9% | $2,278-70.2% | $2,203-69.2% |
| Participant deferral / active EE | $2,745 | $2,643+3.8% | $3,382-18.9% | $3,192-14.0% |
| Admin fee / account holder | $2,353 | $3,885-39.4% | $5,275-55.4% | $4,297-45.2% |