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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 | $56,159 | $45,872+22.4% | $77,100-27.2% | $68,490-18.0% |
| Participation rate | 56.7% | 55.9%+0.7pp | 67.9%-11.3pp | 67.9%-11.2pp |
| Annual return | -21.39% | 1.73%-23.1pp | 42.35%-63.7pp | -7.85%-13.5pp |
| Employer contribution / active EE | $1,777 | $1,650+7.7% | $2,815-36.9% | $2,597-31.6% |
| Participant deferral / active EE | $3,094 | $2,963+4.4% | $4,430-30.2% | $4,028-23.2% |
| Admin fee / account holder | $1,449 | $3,041-52.4% | $5,443-73.4% | $5,403-73.2% |