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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 | $56,595 | $53,596+5.6% | $90,657-37.6% | $64,173-11.8% |
| Participation rate | 66.7% | 64.5%+2.2pp | 74.0%-7.4pp | 69.6%-2.9pp |
| Annual return | -11.78% | 4.41%-16.2pp | 1.89%-13.7pp | 7.63%-19.4pp |
| Employer contribution / active EE | $1,081 | $1,503-28.1% | $2,532-57.3% | $2,381-54.6% |
| Participant deferral / active EE | $2,746 | $2,459+11.7% | $3,424-19.8% | $3,470-20.9% |
| Admin fee / account holder | $6,037 | $3,868+56.1% | $4,994+20.9% | $4,887+23.5% |