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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 | $83,551 | $49,280+69.5% | $67,313+24.1% | $64,181+30.2% |
| Participation rate | 65.4% | 60.8%+4.6pp | 69.1%-3.7pp | 69.6%-4.2pp |
| Annual return | -9.45% | -1.39%-8.1pp | -4.08%-5.4pp | 7.63%-17.1pp |
| Employer contribution / active EE | $2,652 | $1,668+59.0% | $2,566+3.4% | $2,381+11.4% |
| Participant deferral / active EE | $4,430 | $2,484+78.3% | $3,568+24.1% | $3,470+27.7% |
| Admin fee / account holder | $2,488 | $3,863-35.6% | $4,507-44.8% | $4,887-49.1% |