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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 | $53,851 | $77,817-30.8% | $123,553-56.4% | $64,173-16.1% |
| Participation rate | 69.7% | 74.7%-5.0pp | 82.3%-12.6pp | 69.6%+0.1pp |
| Annual return | -9.26% | 12.49%-21.7pp | 119.21%-128.5pp | 7.63%-16.9pp |
| Employer contribution / active EE | $3,441 | $3,014+14.2% | $4,628-25.6% | $2,381+44.5% |
| Participant deferral / active EE | $8,498 | $5,240+62.2% | $6,426+32.2% | $3,470+144.9% |
| Admin fee / account holder | $975 | $5,519-82.3% | $9,284-89.5% | $4,887-80.0% |