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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 | $76,615 | $58,577+30.8% | $83,323-8.1% | $64,181+19.4% |
| Participation rate | 57.1% | 72.0%-14.9pp | 77.8%-20.6pp | 69.6%-12.4pp |
| Annual return | -8.69% | 9.65%-18.3pp | 10.63%-19.3pp | 7.63%-16.3pp |
| Employer contribution / active EE | $1,984 | $2,098-5.4% | $3,379-41.3% | $2,381-16.7% |
| Participant deferral / active EE | $3,123 | $4,654-32.9% | $5,565-43.9% | $3,470-10.0% |
| Admin fee / account holder | $8,568 | $9,275-7.6% | $7,539+13.6% | $4,887+75.3% |