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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 | $63,458 | $52,911+19.9% | $73,309-13.4% | $59,633+6.4% |
| Participation rate | 58.3% | 68.2%-9.9pp | 74.9%-16.6pp | 68.7%-10.3pp |
| Annual return | -4.17% | 12.20%-16.4pp | 5.67%-9.8pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $1,723 | $1,909-9.7% | $3,237-46.8% | $2,203-21.8% |
| Participant deferral / active EE | $3,369 | $4,069-17.2% | $4,991-32.5% | $3,192+5.5% |
| Admin fee / account holder | $3,069 | $3,835-20.0% | $5,635-45.5% | $4,297-28.6% |