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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 | $69,618 | $77,817-10.5% | $123,553-43.7% | $64,173+8.5% |
| Participation rate | 51.4% | 74.7%-23.3pp | 82.3%-30.9pp | 69.6%-18.1pp |
| Annual return | -8.35% | 12.49%-20.8pp | 119.21%-127.6pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,555 | $3,014-48.4% | $4,628-66.4% | $2,381-34.7% |
| Participant deferral / active EE | $3,791 | $5,240-27.6% | $6,426-41.0% | $3,470+9.3% |
| Admin fee / account holder | $616 | $5,519-88.8% | $9,284-93.4% | $4,887-87.4% |