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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 | $72,101 | $73,839-2.4% | $143,788-49.9% | $68,495+5.3% |
| Participation rate | 68.1% | 66.7%+1.5pp | 80.3%-12.2pp | 67.9%+0.2pp |
| Annual return | -19.54% | 1.01%-20.6pp | -0.03%-19.5pp | -7.84%-11.7pp |
| Employer contribution / active EE | $1,920 | $3,184-39.7% | $4,952-61.2% | $2,596-26.0% |
| Participant deferral / active EE | $4,312 | $3,384+27.4% | $5,638-23.5% | $4,028+7.1% |
| Admin fee / account holder | $5,139 | $5,755-10.7% | $14,675-65.0% | $5,403-4.9% |