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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 | $98,707 | $73,009+35.2% | $90,760+8.8% | $68,486+44.1% |
| Participation rate | 52.0% | 70.8%-18.8pp | 75.7%-23.7pp | 67.9%-15.9pp |
| Annual return | -23.58% | -13.81%-9.8pp | -12.16%-11.4pp | -7.85%-15.7pp |
| Employer contribution / active EE | $1,080 | $2,193-50.7% | $2,922-63.0% | $2,597-58.4% |
| Participant deferral / active EE | $2,438 | $3,626-32.8% | $4,565-46.6% | $4,028-39.5% |
| Admin fee / account holder | $2,046 | $5,896-65.3% | $8,444-75.8% | $5,404-62.1% |