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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 | $123,182 | $73,019+68.7% | $90,766+35.7% | $68,490+79.9% |
| Participation rate | 42.9% | 70.8%-28.0pp | 75.7%-32.8pp | 67.9%-25.0pp |
| Annual return | -21.96% | -13.81%-8.2pp | -12.16%-9.8pp | -7.85%-14.1pp |
| Employer contribution / active EE | $1,496 | $2,193-31.8% | $2,922-48.8% | $2,597-42.4% |
| Participant deferral / active EE | $4,118 | $3,626+13.6% | $4,565-9.8% | $4,028+2.2% |
| Admin fee / account holder | $7,161 | $5,897+21.4% | $8,446-15.2% | $5,403+32.5% |