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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 | $65,238 | $72,177-9.6% | $115,038-43.3% | $59,633+9.4% |
| Participation rate | 44.0% | 72.6%-28.6pp | 81.4%-37.4pp | 68.7%-24.7pp |
| Annual return | -2.57% | 12.02%-14.6pp | 26.14%-28.7pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $949 | $2,841-66.6% | $4,608-79.4% | $2,203-56.9% |
| Participant deferral / active EE | $6,949 | $4,783+45.3% | $6,026+15.3% | $3,192+117.7% |
| Admin fee / account holder | $2,230 | $4,927-54.7% | $8,175-72.7% | $4,297-48.1% |