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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 | $58,938 | $64,729-8.9% | $112,263-47.5% | $68,490-13.9% |
| Participation rate | 68.1% | 67.2%+0.9pp | 75.1%-7.0pp | 67.9%+0.2pp |
| Annual return | -21.46% | -11.40%-10.1pp | 27.49%-49.0pp | -7.85%-13.6pp |
| Employer contribution / active EE | $2,125 | $2,746-22.6% | $3,636-41.6% | $2,597-18.2% |
| Participant deferral / active EE | $4,368 | $3,566+22.5% | $4,729-7.7% | $4,028+8.4% |
| Admin fee / account holder | $5,010 | $5,222-4.1% | $6,410-21.9% | $5,403-7.3% |