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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 | $63,456 | $64,719-2.0% | $112,249-43.5% | $68,486-7.3% |
| Participation rate | 64.0% | 67.2%-3.2pp | 75.1%-11.1pp | 67.9%-3.9pp |
| Annual return | -25.02% | -11.40%-13.6pp | 27.48%-52.5pp | -7.85%-17.2pp |
| Employer contribution / active EE | $1,815 | $2,747-33.9% | $3,636-50.1% | $2,597-30.1% |
| Participant deferral / active EE | $2,829 | $3,565-20.7% | $4,729-40.2% | $4,028-29.8% |
| Admin fee / account holder | $376 | $5,232-92.8% | $6,412-94.1% | $5,404-93.0% |