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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 | $56,900 | $64,311-11.5% | $57,356-0.8% | $125,389-54.6% |
| Participation rate | 63.6% | 78.6%-15.0pp | 75.1%-11.4pp | 83.2%-19.6pp |
| Annual return | -3.28% | 25.14%-28.4pp | 24.41%-27.7pp | 282.24%-285.5pp |
| Employer contribution / active EE | $4,288 | $3,193+34.3% | $2,689+59.5% | $4,866-11.9% |
| Participant deferral / active EE | $5,859 | $3,846+52.3% | $3,162+85.3% | $5,352+9.5% |
| Admin fee / account holder | $2,588 | $5,243-50.6% | $3,357-22.9% | $9,541-72.9% |