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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 | $48,931 | $61,816-20.8% | $97,260-49.7% | $80,935-39.5% |
| Participation rate | 68.9% | 63.5%+5.4pp | 72.7%-3.8pp | 67.7%+1.2pp |
| Annual return | 8.38% | -558.73%+567.1pp | 75.54%-67.2pp | 35.66%-27.3pp |
| Employer contribution / active EE | $1,948 | $1,836+6.1% | $2,721-28.4% | $2,757-29.3% |
| Participant deferral / active EE | $3,279 | $3,027+8.3% | $4,262-23.1% | $4,299-23.7% |
| Admin fee / account holder | $1,725 | $5,166-66.6% | $5,640-69.4% | $6,924-75.1% |