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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 | $45,595 | $50,947-10.5% | $74,551-38.8% | $64,173-28.9% |
| Participation rate | 60.0% | 61.1%-1.1pp | 69.1%-9.1pp | 69.6%-9.6pp |
| Annual return | -8.78% | -1.85%-6.9pp | 32.53%-41.3pp | 7.63%-16.4pp |
| Employer contribution / active EE | $1,634 | $1,115+46.5% | $1,961-16.7% | $2,381-31.4% |
| Participant deferral / active EE | $2,687 | $2,302+16.7% | $3,108-13.6% | $3,470-22.6% |
| Admin fee / account holder | $1,543 | $4,221-63.5% | $5,059-69.5% | $4,887-68.4% |