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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 | $148,175 | $59,834+147.6% | $79,576+86.2% | $68,495+116.3% |
| Participation rate | 37.9% | 61.1%-23.1pp | 69.5%-31.6pp | 67.9%-30.0pp |
| Annual return | -20.60% | -12.30%-8.3pp | 0.15%-20.7pp | -7.84%-12.8pp |
| Employer contribution / active EE | $1,010 | $1,505-32.9% | $2,413-58.2% | $2,596-61.1% |
| Participant deferral / active EE | $4,465 | $3,024+47.6% | $3,985+12.0% | $4,028+10.9% |
| Admin fee / account holder | $5,574 | $4,835+15.3% | $6,834-18.4% | $5,403+3.2% |