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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 | $220,713 | $71,878+207.1% | $86,698+154.6% | $68,486+222.3% |
| Participation rate | 40.7% | 72.2%-31.5pp | 76.6%-35.8pp | 67.9%-27.2pp |
| Annual return | -21.83% | 3.53%-25.4pp | 35.95%-57.8pp | -7.85%-14.0pp |
| Employer contribution / active EE | $1,267 | $2,173-41.7% | $2,837-55.4% | $2,597-51.2% |
| Participant deferral / active EE | $2,251 | $3,779-40.4% | $4,656-51.7% | $4,028-44.1% |
| Admin fee / account holder | $1,928 | $6,113-68.5% | $7,493-74.3% | $5,404-64.3% |