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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 | $53,289 | $72,177-26.2% | $115,038-53.7% | $59,633-10.6% |
| Participation rate | 64.0% | 72.6%-8.6pp | 81.4%-17.4pp | 68.7%-4.7pp |
| Annual return | -4.24% | 12.02%-16.3pp | 26.14%-30.4pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $4,579 | $2,841+61.2% | $4,608-0.6% | $2,203+107.9% |
| Participant deferral / active EE | $3,475 | $4,783-27.4% | $6,026-42.3% | $3,192+8.9% |
| Admin fee / account holder | $464 | $4,927-90.6% | $8,175-94.3% | $4,297-89.2% |