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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 | $80,415 | $77,817+3.3% | $123,553-34.9% | $64,173+25.3% |
| Participation rate | 25.9% | 74.7%-48.8pp | 82.3%-56.4pp | 69.6%-43.6pp |
| Annual return | -10.78% | 12.49%-23.3pp | 119.21%-130.0pp | 7.63%-18.4pp |
| Employer contribution / active EE | $958 | $3,014-68.2% | $4,628-79.3% | $2,381-59.7% |
| Participant deferral / active EE | $3,521 | $5,240-32.8% | $6,426-45.2% | $3,470+1.5% |
| Admin fee / account holder | $338 | $5,519-93.9% | $9,284-96.4% | $4,887-93.1% |