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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 | $45,619 | $71,878-36.5% | $86,698-47.4% | $68,486-33.4% |
| Participation rate | 69.6% | 72.2%-2.7pp | 76.6%-7.0pp | 67.9%+1.7pp |
| Annual return | -19.98% | 3.53%-23.5pp | 35.95%-55.9pp | -7.85%-12.1pp |
| Employer contribution / active EE | $1,697 | $2,173-21.9% | $2,837-40.2% | $2,597-34.7% |
| Participant deferral / active EE | $4,006 | $3,779+6.0% | $4,656-14.0% | $4,028-0.5% |
| Admin fee / account holder | $402 | $6,113-93.4% | $7,493-94.6% | $5,404-92.6% |