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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 | $226,799 | $59,813+279.2% | $79,580+185.0% | $68,486+231.2% |
| Participation rate | 37.0% | 61.1%-24.0pp | 69.5%-32.5pp | 67.9%-30.9pp |
| Annual return | -29.18% | -12.30%-16.9pp | 0.15%-29.3pp | -7.85%-21.3pp |
| Employer contribution / active EE | $1,505 | $1,5050% | $2,413-37.6% | $2,597-42.0% |
| Participant deferral / active EE | $3,811 | $3,024+26.0% | $3,985-4.4% | $4,028-5.4% |
| Admin fee / account holder | $833 | $4,835-82.8% | $6,835-87.8% | $5,404-84.6% |