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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 | $107,769 | $50,947+111.5% | $74,549+44.6% | $64,173+67.9% |
| Participation rate | 36.0% | 61.1%-25.1pp | 69.1%-33.1pp | 69.6%-33.6pp |
| Annual return | -8.39% | -1.85%-6.5pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $934 | $1,115-16.3% | $1,961-52.4% | $2,381-60.8% |
| Participant deferral / active EE | $3,337 | $2,302+45.0% | $3,108+7.4% | $3,470-3.8% |
| Admin fee / account holder | $8,369 | $4,221+98.3% | $5,059+65.4% | $4,887+71.2% |