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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 | $159,161 | $79,633+99.9% | $93,786+69.7% | $68,490+132.4% |
| Participation rate | 48.6% | 75.4%-26.8pp | 81.0%-32.4pp | 67.9%-19.3pp |
| Annual return | -18.98% | -0.10%-18.9pp | -11.32%-7.7pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,929 | $3,665-47.4% | $4,328-55.4% | $2,597-25.7% |
| Participant deferral / active EE | $3,291 | $5,158-36.2% | $6,100-46.1% | $4,028-18.3% |
| Admin fee / account holder | $3,200 | $6,871-53.4% | $7,184-55.5% | $5,403-40.8% |