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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 | $87,101 | $69,977+24.5% | $108,582-19.8% | $62,881+38.5% |
| Participation rate | 35.1% | 72.9%-37.8pp | 79.6%-44.5pp | 69.3%-34.2pp |
| Annual return | -12.49% | 10.73%-23.2pp | -51.70%+39.2pp | 20.14%-32.6pp |
| Employer contribution / active EE | $2,326 | $2,135+9.0% | $3,758-38.1% | $2,281+2.0% |
| Participant deferral / active EE | $2,977 | $3,165-5.9% | $4,311-30.9% | $3,203-7.0% |
| Admin fee / account holder | $2,301 | $5,076-54.7% | $7,645-69.9% | $4,296-46.4% |