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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 | $145,580 | $64,729+124.9% | $112,263+29.7% | $68,490+112.6% |
| Participation rate | 40.0% | 67.2%-27.2pp | 75.1%-35.1pp | 67.9%-27.9pp |
| Annual return | -23.08% | -11.40%-11.7pp | 27.49%-50.6pp | -7.85%-15.2pp |
| Employer contribution / active EE | $1,545 | $2,746-43.7% | $3,636-57.5% | $2,597-40.5% |
| Participant deferral / active EE | $4,178 | $3,566+17.2% | $4,729-11.6% | $4,028+3.7% |
| Admin fee / account holder | $3,410 | $5,222-34.7% | $6,410-46.8% | $5,403-36.9% |