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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 | $109,540 | $45,872+138.8% | $77,096+42.1% | $68,486+59.9% |
| Participation rate | 19.2% | 55.9%-36.7pp | 67.9%-48.7pp | 67.9%-48.7pp |
| Annual return | -23.84% | 1.73%-25.6pp | 42.35%-66.2pp | -7.85%-16.0pp |
| Employer contribution / active EE | $1,940 | $1,650+17.6% | $2,814-31.1% | $2,597-25.3% |
| Participant deferral / active EE | $2,245 | $2,963-24.2% | $4,429-49.3% | $4,028-44.3% |
| Admin fee / account holder | $1,601 | $3,041-47.4% | $5,428-70.5% | $5,404-70.4% |