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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 | $67,657 | $73,863-8.4% | $143,797-52.9% | $68,490-1.2% |
| Participation rate | 68.5% | 66.7%+1.9pp | 80.3%-11.8pp | 67.9%+0.6pp |
| Annual return | -20.04% | 0.91%-21.0pp | -0.04%-20.0pp | -7.85%-12.2pp |
| Employer contribution / active EE | $4,448 | $3,185+39.7% | $4,952-10.2% | $2,597+71.3% |
| Participant deferral / active EE | $4,467 | $3,385+32.0% | $5,638-20.8% | $4,028+10.9% |
| Admin fee / account holder | $12,108 | $5,756+110.4% | $14,679-17.5% | $5,403+124.1% |