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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 | $75,839 | $64,729+17.2% | $112,263-32.4% | $68,490+10.7% |
| Participation rate | 46.5% | 67.2%-20.6pp | 75.1%-28.6pp | 67.9%-21.4pp |
| Annual return | -20.33% | -11.40%-8.9pp | 27.49%-47.8pp | -7.85%-12.5pp |
| Employer contribution / active EE | $2,130 | $2,746-22.4% | $3,636-41.4% | $2,597-18.0% |
| Participant deferral / active EE | $3,922 | $3,566+10.0% | $4,729-17.1% | $4,028-2.6% |
| Admin fee / account holder | $388 | $5,222-92.6% | $6,410-93.9% | $5,403-92.8% |