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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 | $70,439 | $80,992-13.0% | $96,534-27.0% | $75,173-6.3% |
| Participation rate | 67.9% | 71.8%-3.9pp | 76.0%-8.1pp | 67.2%+0.7pp |
| Annual return | -11.55% | 27.05%-38.6pp | 25.88%-37.4pp | 160.72%-172.3pp |
| Employer contribution / active EE | $1,504 | $2,283-34.1% | $2,965-49.3% | $2,671-43.7% |
| Participant deferral / active EE | $2,770 | $3,929-29.5% | $4,851-42.9% | $4,126-32.9% |
| Admin fee / account holder | $7,312 | $6,717+8.9% | $8,253-11.4% | $5,651+29.4% |