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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 | $55,600 | $81,476-31.8% | $102,383-45.7% | $80,925-31.3% |
| Participation rate | 69.1% | 66.8%+2.2pp | 74.5%-5.4pp | 67.7%+1.4pp |
| Annual return | -2.05% | 25.59%-27.6pp | 24.94%-27.0pp | 35.65%-37.7pp |
| Employer contribution / active EE | $1,389 | $3,105-55.3% | $3,870-64.1% | $2,756-49.6% |
| Participant deferral / active EE | $2,254 | $3,871-41.8% | $5,060-55.5% | $4,299-47.6% |
| Admin fee / account holder | $2,951 | $6,717-56.1% | $8,391-64.8% | $6,940-57.5% |