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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 | $74,885 | $99,345-24.6% | $84,753-11.6% | $273,972-72.7% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | -0.70% | 22.93%-23.6pp | 22.78%-23.5pp | 41.46%-42.2pp |
| Employer contribution / active EE | $3,786 | $4,214-10.1% | $3,574+5.9% | $4,869-22.2% |
| Participant deferral / active EE | $5,155 | $4,270+20.7% | $3,712+38.9% | $5,287-2.5% |
| Admin fee / account holder | $6,791 | $6,645+2.2% | $5,333+27.3% | $10,133-33.0% |