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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 | $81,730 | $69,977+16.8% | $108,582-24.7% | $62,881+30.0% |
| Participation rate | 62.2% | 72.9%-10.7pp | 79.6%-17.4pp | 69.3%-7.1pp |
| Annual return | 0.72% | 10.73%-10.0pp | -51.70%+52.4pp | 20.14%-19.4pp |
| Employer contribution / active EE | $4,119 | $2,135+92.9% | $3,758+9.6% | $2,281+80.6% |
| Participant deferral / active EE | $0 | $3,165-100.0% | $4,311-100.0% | $3,203-100.0% |
| Admin fee / account holder | $5,313 | $5,076+4.7% | $7,645-30.5% | $4,296+23.7% |