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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 | $81,050 | $81,870-1.0% | $119,634-32.3% | $68,490+18.3% |
| Participation rate | 64.7% | 71.9%-7.2pp | 79.3%-14.6pp | 67.9%-3.2pp |
| Annual return | -19.54% | -23.82%+4.3pp | -14.98%-4.6pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,186 | $2,692-55.9% | $4,232-72.0% | $2,597-54.3% |
| Participant deferral / active EE | $4,927 | $4,148+18.8% | $5,601-12.0% | $4,028+22.3% |
| Admin fee / account holder | $958 | $6,583-85.4% | $10,329-90.7% | $5,403-82.3% |