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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 | $64,729+42.9% | $112,263-17.6% | $68,490+35.0% |
| Participation rate | 38.9% | 67.2%-28.3pp | 75.1%-36.2pp | 67.9%-29.0pp |
| Annual return | -25.22% | -11.40%-13.8pp | 27.49%-52.7pp | -7.85%-17.4pp |
| Employer contribution / active EE | $2,529 | $2,746-7.9% | $3,636-30.5% | $2,597-2.6% |
| Participant deferral / active EE | $4,582 | $3,566+28.5% | $4,729-3.1% | $4,028+13.8% |
| Admin fee / account holder | $3,936 | $5,222-24.6% | $6,410-38.6% | $5,403-27.1% |