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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 | $174,272 | $85,024+105.0% | $70,544+147.0% | $139,466+25.0% |
| Participation rate | 27.3% | 73.9%-46.6pp | 68.4%-41.1pp | 80.3%-53.1pp |
| Annual return | -6.72% | 30.39%-37.1pp | 32.79%-39.5pp | 373.66%-380.4pp |
| Employer contribution / active EE | $1,154 | $3,912-70.5% | $2,976-61.2% | $4,754-75.7% |
| Participant deferral / active EE | $4,184 | $5,891-29.0% | $4,568-8.4% | $6,712-37.7% |
| Admin fee / account holder | $4,707 | $8,928-47.3% | $6,427-26.8% | $11,409-58.7% |