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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 | $135,762 | $37,446+262.6% | $77,513+75.1% | $79,852+70.0% |
| Participation rate | 44.4% | 41.5%+2.9pp | 54.2%-9.7pp | 69.6%-25.2pp |
| Annual return | -1.81% | 39.76%-41.6pp | 54.81%-56.6pp | 31.72%-33.5pp |
| Employer contribution / active EE | $621 | $637-2.5% | $987-37.0% | $2,471-74.9% |
| Participant deferral / active EE | $2,073 | $1,261+64.4% | $1,861+11.4% | $3,740-44.6% |
| Admin fee / account holder | $2,118 | $2,506-15.5% | $2,859-25.9% | $5,306-60.1% |