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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 | $78,166 | $62,589+24.9% | $76,768+1.8% | $64,173+21.8% |
| Participation rate | 51.2% | 72.8%-21.7pp | 77.0%-25.8pp | 69.6%-18.4pp |
| Annual return | -7.97% | -1.95%-6.0pp | 2.43%-10.4pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,312 | $1,832-28.4% | $2,485-47.2% | $2,381-44.9% |
| Participant deferral / active EE | $3,306 | $3,145+5.1% | $3,852-14.2% | $3,470-4.7% |
| Admin fee / account holder | $2,081 | $4,667-55.4% | $6,675-68.8% | $4,887-57.4% |