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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 | $62,348 | $77,816-19.9% | $123,552-49.5% | $64,173-2.8% |
| Participation rate | 68.6% | 74.7%-6.1pp | 82.3%-13.7pp | 69.6%-1.0pp |
| Annual return | -10.10% | 12.49%-22.6pp | 119.20%-129.3pp | 7.63%-17.7pp |
| Employer contribution / active EE | $2,794 | $3,014-7.3% | $4,628-39.6% | $2,381+17.4% |
| Participant deferral / active EE | $5,180 | $5,240-1.1% | $6,426-19.4% | $3,470+49.3% |
| Admin fee / account holder | $1,196 | $5,519-78.3% | $9,285-87.1% | $4,887-75.5% |