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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 | $67,611 | $72,404-6.6% | $110,241-38.7% | $64,181+5.3% |
| Participation rate | 64.7% | 73.3%-8.6pp | 79.8%-15.1pp | 69.6%-4.9pp |
| Annual return | -7.91% | -6.29%-1.6pp | 314.75%-322.7pp | 7.63%-15.5pp |
| Employer contribution / active EE | $3,051 | $2,282+33.7% | $3,827-20.3% | $2,381+28.1% |
| Participant deferral / active EE | $7,122 | $3,469+105.3% | $4,672+52.4% | $3,470+105.3% |
| Admin fee / account holder | $3,055 | $5,664-46.1% | $8,548-64.3% | $4,887-37.5% |