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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 | $46,481 | $56,339-17.5% | $104,299-55.4% | $68,490-32.1% |
| Participation rate | 68.9% | 63.3%+5.6pp | 73.3%-4.4pp | 67.9%+1.0pp |
| Annual return | -19.51% | -9.19%-10.3pp | 24.62%-44.1pp | -7.85%-11.7pp |
| Employer contribution / active EE | $2,022 | $1,960+3.1% | $3,373-40.1% | $2,597-22.1% |
| Participant deferral / active EE | $5,155 | $3,077+67.5% | $4,626+11.4% | $4,028+28.0% |
| Admin fee / account holder | $7,985 | $4,902+62.9% | $7,339+8.8% | $5,403+47.8% |