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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 | $80,108 | $59,834+33.9% | $79,576+0.7% | $68,495+17.0% |
| Participation rate | 28.3% | 61.1%-32.7pp | 69.5%-41.2pp | 67.9%-39.6pp |
| Annual return | -25.57% | -12.30%-13.3pp | 0.15%-25.7pp | -7.84%-17.7pp |
| Employer contribution / active EE | $861 | $1,505-42.8% | $2,413-64.3% | $2,596-66.9% |
| Participant deferral / active EE | $2,905 | $3,024-4.0% | $3,985-27.1% | $4,028-27.9% |
| Admin fee / account holder | $56,226 | $4,835+1062.8% | $6,834+722.7% | $5,403+940.6% |