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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 | $155,385 | $99,345+56.4% | $84,753+83.3% | $273,972-43.3% |
| Participation rate | 54.5% | 80.7%-26.1pp | 76.6%-22.0pp | 83.0%-28.5pp |
| Annual return | -1.08% | 22.93%-24.0pp | 22.78%-23.9pp | 41.46%-42.5pp |
| Employer contribution / active EE | $1,506 | $4,214-64.3% | $3,574-57.9% | $4,869-69.1% |
| Participant deferral / active EE | $2,233 | $4,270-47.7% | $3,712-39.9% | $5,287-57.8% |
| Admin fee / account holder | $426 | $6,645-93.6% | $5,333-92.0% | $10,133-95.8% |