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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 | $35,786 | $45,087-20.6% | $69,483-48.5% | $72,976-51.0% |
| Participation rate | 62.7% | 68.5%-5.8pp | 74.6%-11.9pp | 69.5%-6.8pp |
| Annual return | -11.96% | 22.67%-34.6pp | 28.99%-40.9pp | 81.02%-93.0pp |
| Employer contribution / active EE | $6,578 | $2,055+220.1% | $2,780+136.6% | $2,440+169.6% |
| Participant deferral / active EE | $1,161 | $2,603-55.4% | $3,537-67.2% | $3,608-67.8% |
| Admin fee / account holder | $4,873 | $3,057+59.4% | $3,841+26.9% | $5,124-4.9% |