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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 | $81,642 | $64,719+26.1% | $112,249-27.3% | $68,486+19.2% |
| Participation rate | 64.3% | 67.2%-2.9pp | 75.1%-10.8pp | 67.9%-3.6pp |
| Annual return | -21.18% | -11.40%-9.8pp | 27.48%-48.7pp | -7.85%-13.3pp |
| Employer contribution / active EE | $2,430 | $2,747-11.5% | $3,636-33.2% | $2,597-6.4% |
| Participant deferral / active EE | $4,635 | $3,565+30.0% | $4,729-2.0% | $4,028+15.1% |
| Admin fee / account holder | $1,107 | $5,232-78.8% | $6,412-82.7% | $5,404-79.5% |