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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 | $93,411 | $49,280+89.6% | $67,313+38.8% | $64,181+45.5% |
| Participation rate | 29.0% | 60.8%-31.8pp | 69.1%-40.0pp | 69.6%-40.5pp |
| Annual return | -11.15% | -1.39%-9.8pp | -4.08%-7.1pp | 7.63%-18.8pp |
| Employer contribution / active EE | $575 | $1,668-65.5% | $2,566-77.6% | $2,381-75.8% |
| Participant deferral / active EE | $2,526 | $2,484+1.7% | $3,568-29.2% | $3,470-27.2% |
| Admin fee / account holder | $1,907 | $3,863-50.6% | $4,507-57.7% | $4,887-61.0% |