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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 | $80,892 | $62,583+29.3% | $76,767+5.4% | $64,173+26.1% |
| Participation rate | 67.6% | 72.8%-5.2pp | 77.0%-9.4pp | 69.6%-2.0pp |
| Annual return | -8.78% | -1.95%-6.8pp | 2.43%-11.2pp | 7.63%-16.4pp |
| Employer contribution / active EE | $1,500 | $1,832-18.1% | $2,485-39.6% | $2,381-37.0% |
| Participant deferral / active EE | $2,776 | $3,145-11.7% | $3,852-27.9% | $3,470-20.0% |
| Admin fee / account holder | $4,968 | $4,667+6.5% | $6,675-25.6% | $4,887+1.7% |