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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 | $60,656 | $82,032-26.1% | $123,106-50.7% | $59,633+1.7% |
| Participation rate | 53.1% | 83.2%-30.1pp | 86.8%-33.7pp | 68.7%-15.5pp |
| Annual return | -3.14% | 5.12%-8.3pp | 13.22%-16.4pp | 2041.40%-2044.5pp |
| Employer contribution / active EE | $2,248 | $3,297-31.8% | $5,151-56.3% | $2,203+2.1% |
| Participant deferral / active EE | $4,767 | $4,667+2.2% | $6,229-23.5% | $3,192+49.4% |
| Admin fee / account holder | $4,822 | $5,881-18.0% | $9,015-46.5% | $4,297+12.2% |