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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 | $62,291 | $62,589-0.5% | $76,768-18.9% | $64,173-2.9% |
| Participation rate | 59.4% | 72.8%-13.4pp | 77.0%-17.6pp | 69.6%-10.2pp |
| Annual return | -8.14% | -1.95%-6.2pp | 2.43%-10.6pp | 7.63%-15.8pp |
| Employer contribution / active EE | $2,007 | $1,832+9.5% | $2,485-19.2% | $2,381-15.7% |
| Participant deferral / active EE | $3,187 | $3,145+1.3% | $3,852-17.3% | $3,470-8.2% |
| Admin fee / account holder | $729 | $4,667-84.4% | $6,675-89.1% | $4,887-85.1% |