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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 | $92,492 | $64,706+42.9% | $112,244-17.6% | $68,498+35.0% |
| Participation rate | 38.9% | 67.1%-28.3pp | 75.1%-36.2pp | 67.9%-29.0pp |
| Annual return | -25.22% | -11.40%-13.8pp | 27.46%-52.7pp | -7.84%-17.4pp |
| Employer contribution / active EE | $2,529 | $2,746-7.9% | $3,635-30.4% | $2,596-2.6% |
| Participant deferral / active EE | $4,582 | $3,565+28.5% | $4,728-3.1% | $4,027+13.8% |
| Admin fee / account holder | $3,936 | $5,231-24.7% | $6,411-38.6% | $5,403-27.1% |