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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 | $205,925 | $110,083+87.1% | $151,639+35.8% | $68,486+200.7% |
| Participation rate | 43.3% | 84.0%-40.6pp | 87.5%-44.2pp | 67.9%-24.6pp |
| Annual return | -19.48% | -10.12%-9.4pp | 3.34%-22.8pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,364 | $4,470-47.1% | $6,165-61.7% | $2,597-9.0% |
| Participant deferral / active EE | $3,440 | $6,526-47.3% | $8,363-58.9% | $4,028-14.6% |
| Admin fee / account holder | $6,286 | $7,718-18.6% | $11,613-45.9% | $5,404+16.3% |