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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 | $105,057 | $59,813+75.6% | $79,580+32.0% | $68,486+53.4% |
| Participation rate | 65.5% | 61.1%+4.5pp | 69.5%-4.0pp | 67.9%-2.4pp |
| Annual return | -19.57% | -12.30%-7.3pp | 0.15%-19.7pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,946 | $1,505+29.3% | $2,413-19.4% | $2,597-25.0% |
| Participant deferral / active EE | $6,115 | $3,024+102.2% | $3,985+53.4% | $4,028+51.8% |
| Admin fee / account holder | $2,763 | $4,835-42.8% | $6,835-59.6% | $5,404-48.9% |