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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 | $76,796 | $81,870-6.2% | $119,634-35.8% | $68,490+12.1% |
| Participation rate | 58.3% | 71.9%-13.6pp | 79.3%-20.9pp | 67.9%-9.6pp |
| Annual return | -19.92% | -23.82%+3.9pp | -14.98%-4.9pp | -7.85%-12.1pp |
| Employer contribution / active EE | $2,885 | $2,692+7.2% | $4,232-31.8% | $2,597+11.1% |
| Participant deferral / active EE | $3,999 | $4,148-3.6% | $5,601-28.6% | $4,028-0.7% |
| Admin fee / account holder | $2,271 | $6,583-65.5% | $10,329-78.0% | $5,403-58.0% |