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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 | $108,741 | $81,870+32.8% | $119,622-9.1% | $68,486+58.8% |
| Participation rate | 45.1% | 71.9%-26.8pp | 79.3%-34.1pp | 67.9%-22.8pp |
| Annual return | -19.75% | -23.82%+4.1pp | -14.98%-4.8pp | -7.85%-11.9pp |
| Employer contribution / active EE | $774 | $2,692-71.2% | $4,232-81.7% | $2,597-70.2% |
| Participant deferral / active EE | $3,179 | $4,148-23.4% | $5,601-43.2% | $4,028-21.1% |
| Admin fee / account holder | $2,358 | $6,583-64.2% | $10,328-77.2% | $5,404-56.4% |