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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 | $95,840 | $57,140+67.7% | $85,240+12.4% | $80,959+18.4% |
| Participation rate | 60.5% | 56.4%+4.1pp | 67.5%-7.1pp | 67.7%-7.2pp |
| Annual return | -5.18% | 21.71%-26.9pp | 66.75%-71.9pp | 35.67%-40.8pp |
| Employer contribution / active EE | $838 | $1,802-53.5% | $2,735-69.4% | $2,757-69.6% |
| Participant deferral / active EE | $2,867 | $3,115-8.0% | $4,527-36.7% | $4,300-33.3% |
| Admin fee / account holder | $2,581 | $4,992-48.3% | $6,165-58.1% | $6,925-62.7% |