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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 | $131,572 | $99,345+32.4% | $84,753+55.2% | $273,972-52.0% |
| Participation rate | 31.3% | 80.7%-49.4pp | 76.6%-45.3pp | 83.0%-51.8pp |
| Annual return | -1.38% | 22.93%-24.3pp | 22.78%-24.2pp | 41.46%-42.8pp |
| Employer contribution / active EE | $950 | $4,214-77.5% | $3,574-73.4% | $4,869-80.5% |
| Participant deferral / active EE | $3,799 | $4,270-11.0% | $3,712+2.4% | $5,287-28.1% |
| Admin fee / account holder | $507 | $6,645-92.4% | $5,333-90.5% | $10,133-95.0% |