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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 | $65,001 | $64,716+0.4% | $112,258-42.1% | $68,495-5.1% |
| Participation rate | 48.3% | 67.2%-18.9pp | 75.1%-26.8pp | 67.9%-19.6pp |
| Annual return | -24.25% | -11.40%-12.9pp | 27.47%-51.7pp | -7.84%-16.4pp |
| Employer contribution / active EE | $1,112 | $2,746-59.5% | $3,636-69.4% | $2,596-57.2% |
| Participant deferral / active EE | $1,752 | $3,565-50.8% | $4,728-62.9% | $4,028-56.5% |
| Admin fee / account holder | $7,845 | $5,232+49.9% | $6,411+22.4% | $5,403+45.2% |