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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 | $73,697 | $59,819+23.2% | $79,583-7.4% | $68,490+7.6% |
| Participation rate | 37.2% | 61.1%-23.9pp | 69.5%-32.3pp | 67.9%-30.7pp |
| Annual return | -21.63% | -12.30%-9.3pp | 0.16%-21.8pp | -7.85%-13.8pp |
| Employer contribution / active EE | $339 | $1,505-77.5% | $2,414-85.9% | $2,597-86.9% |
| Participant deferral / active EE | $1,859 | $3,025-38.5% | $3,986-53.4% | $4,028-53.9% |
| Admin fee / account holder | $5,218 | $4,835+7.9% | $6,835-23.7% | $5,403-3.4% |