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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 | $44,704 | $67,411-33.7% | $91,004-50.9% | $70,126-36.3% |
| Participation rate | 67.3% | 71.4%-4.1pp | 75.6%-8.3pp | 69.5%-2.2pp |
| Annual return | 5.73% | -40.16%+45.9pp | 4.60%+1.1pp | 73.15%-67.4pp |
| Employer contribution / active EE | $1,680 | $1,786-5.9% | $2,456-31.6% | $2,343-28.3% |
| Participant deferral / active EE | $2,897 | $2,823+2.6% | $3,548-18.3% | $3,332-13.1% |
| Admin fee / account holder | $1,846 | $4,236-56.4% | $5,417-65.9% | $4,645-60.3% |