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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 | $89,557 | $81,870+9.4% | $119,634-25.1% | $68,490+30.8% |
| Participation rate | 60.7% | 71.9%-11.2pp | 79.3%-18.6pp | 67.9%-7.2pp |
| Annual return | -23.23% | -23.82%+0.6pp | -14.98%-8.2pp | -7.85%-15.4pp |
| Employer contribution / active EE | $2,135 | $2,692-20.7% | $4,232-49.6% | $2,597-17.8% |
| Participant deferral / active EE | $3,166 | $4,148-23.7% | $5,601-43.5% | $4,028-21.4% |
| Admin fee / account holder | $984 | $6,583-85.1% | $10,329-90.5% | $5,403-81.8% |