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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 | $50,096 | $59,819-16.3% | $79,583-37.1% | $68,490-26.9% |
| Participation rate | 22.8% | 61.1%-38.3pp | 69.5%-46.7pp | 67.9%-45.1pp |
| Annual return | -19.76% | -12.30%-7.5pp | 0.16%-19.9pp | -7.85%-11.9pp |
| Employer contribution / active EE | $705 | $1,505-53.2% | $2,414-70.8% | $2,597-72.9% |
| Participant deferral / active EE | $2,201 | $3,025-27.2% | $3,986-44.8% | $4,028-45.3% |
| Admin fee / account holder | $4,003 | $4,835-17.2% | $6,835-41.4% | $5,403-25.9% |