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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 | $55,273 | $64,719-14.6% | $112,249-50.8% | $68,486-19.3% |
| Participation rate | 68.4% | 67.2%+1.3pp | 75.1%-6.6pp | 67.9%+0.5pp |
| Annual return | -21.00% | -11.40%-9.6pp | 27.48%-48.5pp | -7.85%-13.1pp |
| Employer contribution / active EE | $1,905 | $2,747-30.6% | $3,636-47.6% | $2,597-26.6% |
| Participant deferral / active EE | $4,915 | $3,565+37.9% | $4,729+3.9% | $4,028+22.0% |
| Admin fee / account holder | $1,651 | $5,232-68.4% | $6,412-74.2% | $5,404-69.4% |