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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 | $165,312 | $25,979+536.3% | $71,778+130.3% | $68,490+141.4% |
| Participation rate | 46.2% | 54.5%-8.3pp | 62.3%-16.2pp | 67.9%-21.7pp |
| Annual return | -19.85% | -15.10%-4.8pp | 9.15%-29.0pp | -7.85%-12.0pp |
| Employer contribution / active EE | $755 | $900-16.1% | $1,704-55.7% | $2,597-70.9% |
| Participant deferral / active EE | $1,647 | $1,522+8.2% | $2,656-38.0% | $4,028-59.1% |
| Admin fee / account holder | $1,855 | $2,022-8.3% | $3,974-53.3% | $5,403-65.7% |