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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 | $62,508 | $72,177-13.4% | $115,037-45.7% | $59,633+4.8% |
| Participation rate | 43.8% | 72.6%-28.8pp | 81.4%-37.6pp | 68.7%-24.9pp |
| Annual return | -3.24% | 12.02%-15.3pp | 26.14%-29.4pp | 2041.40%-2044.6pp |
| Employer contribution / active EE | $2,908 | $2,841+2.3% | $4,608-36.9% | $2,203+32.0% |
| Participant deferral / active EE | $7,366 | $4,783+54.0% | $6,026+22.2% | $3,192+130.8% |
| Admin fee / account holder | $3,474 | $4,927-29.5% | $8,175-57.5% | $4,297-19.2% |