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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 | $55,754 | $50,947+9.4% | $74,551-25.2% | $64,173-13.1% |
| Participation rate | 57.6% | 61.1%-3.5pp | 69.1%-11.6pp | 69.6%-12.0pp |
| Annual return | -8.11% | -1.85%-6.3pp | 32.53%-40.6pp | 7.63%-15.7pp |
| Employer contribution / active EE | $1,467 | $1,115+31.5% | $1,961-25.2% | $2,381-38.4% |
| Participant deferral / active EE | $2,390 | $2,302+3.8% | $3,108-23.1% | $3,470-31.1% |
| Admin fee / account holder | $1,358 | $4,221-67.8% | $5,059-73.1% | $4,887-72.2% |