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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 | $56,432 | $67,411-16.3% | $91,004-38.0% | $70,126-19.5% |
| Participation rate | 60.6% | 71.4%-10.8pp | 75.6%-15.0pp | 69.5%-8.9pp |
| Annual return | 12.39% | -40.16%+52.6pp | 4.60%+7.8pp | 73.15%-60.8pp |
| Employer contribution / active EE | $5,235 | $1,786+193.1% | $2,456+113.2% | $2,343+123.5% |
| Participant deferral / active EE | $3,079 | $2,823+9.1% | $3,548-13.2% | $3,332-7.6% |
| Admin fee / account holder | $1,138 | $4,236-73.1% | $5,417-79.0% | $4,645-75.5% |