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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 | $93,390 | $37,156+151.3% | $83,854+11.4% | $86,983+7.4% |
| Participation rate | 60.5% | 49.1%+11.4pp | 59.1%+1.4pp | 69.5%-9.1pp |
| Annual return | -30.20% | 29.88%-60.1pp | 31.39%-61.6pp | 25.83%-56.0pp |
| Employer contribution / active EE | $1,231 | $661+86.3% | $1,017+21.0% | $2,584-52.4% |
| Participant deferral / active EE | $2,791 | $1,418+96.9% | $2,035+37.1% | $4,194-33.4% |
| Admin fee / account holder | $952 | $2,510-62.1% | $3,197-70.2% | $7,856-87.9% |