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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 | $54,732 | $72,177-24.2% | $115,038-52.4% | $59,633-8.2% |
| Participation rate | 62.5% | 72.6%-10.1pp | 81.4%-18.9pp | 68.7%-6.2pp |
| Annual return | -3.64% | 12.02%-15.7pp | 26.14%-29.8pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $3,389 | $2,841+19.3% | $4,608-26.5% | $2,203+53.9% |
| Participant deferral / active EE | $6,601 | $4,783+38.0% | $6,026+9.5% | $3,192+106.8% |
| Admin fee / account holder | $10,302 | $4,927+109.1% | $8,175+26.0% | $4,297+139.8% |