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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 | $68,094 | $84,518-19.4% | $67,704+0.6% | $125,389-45.7% |
| Participation rate | 61.5% | 74.8%-13.2pp | 67.5%-6.0pp | 83.2%-21.7pp |
| Annual return | -4.59% | 2.57%-7.2pp | 25.41%-30.0pp | 282.24%-286.8pp |
| Employer contribution / active EE | $1,138 | $3,292-65.4% | $2,559-55.5% | $4,866-76.6% |
| Participant deferral / active EE | $4,937 | $4,430+11.5% | $3,585+37.7% | $5,352-7.7% |
| Admin fee / account holder | $311 | $5,340-94.2% | $4,255-92.7% | $9,541-96.7% |