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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 | $64,722 | $76,367-15.2% | $93,614-30.9% | $72,983-11.3% |
| Participation rate | 52.5% | 71.7%-19.3pp | 75.8%-23.4pp | 69.5%-17.0pp |
| Annual return | -26.54% | 25.82%-52.4pp | 32.76%-59.3pp | 81.01%-107.6pp |
| Employer contribution / active EE | $2,096 | $2,275-7.9% | $2,718-22.9% | $2,440-14.1% |
| Participant deferral / active EE | $3,159 | $3,538-10.7% | $4,069-22.4% | $3,608-12.4% |
| Admin fee / account holder | $6,032 | $6,838-11.8% | $7,889-23.5% | $5,124+17.7% |