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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 | $128,534 | $67,411+90.7% | $91,004+41.2% | $70,126+83.3% |
| Participation rate | 32.3% | 71.4%-39.1pp | 75.6%-43.3pp | 69.5%-37.3pp |
| Annual return | 12.09% | -40.16%+52.2pp | 4.60%+7.5pp | 73.15%-61.1pp |
| Employer contribution / active EE | $995 | $1,786-44.3% | $2,456-59.5% | $2,343-57.5% |
| Participant deferral / active EE | $2,603 | $2,823-7.8% | $3,548-26.6% | $3,332-21.9% |
| Admin fee / account holder | $343 | $4,236-91.9% | $5,417-93.7% | $4,645-92.6% |