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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 | $93,246 | $64,719+44.1% | $112,249-16.9% | $68,486+36.2% |
| Participation rate | 38.9% | 67.2%-28.3pp | 75.1%-36.2pp | 67.9%-29.0pp |
| Annual return | -20.32% | -11.40%-8.9pp | 27.48%-47.8pp | -7.85%-12.5pp |
| Employer contribution / active EE | $1,134 | $2,747-58.7% | $3,636-68.8% | $2,597-56.3% |
| Participant deferral / active EE | $2,755 | $3,565-22.7% | $4,729-41.7% | $4,028-31.6% |
| Admin fee / account holder | $2,364 | $5,232-54.8% | $6,412-63.1% | $5,404-56.3% |