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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 | $70,267 | $64,716+8.6% | $112,258-37.4% | $68,495+2.6% |
| Participation rate | 47.9% | 67.2%-19.2pp | 75.1%-27.1pp | 67.9%-20.0pp |
| Annual return | -20.45% | -11.40%-9.1pp | 27.47%-47.9pp | -7.84%-12.6pp |
| Employer contribution / active EE | $1,857 | $2,746-32.4% | $3,636-48.9% | $2,596-28.5% |
| Participant deferral / active EE | $4,505 | $3,565+26.4% | $4,728-4.7% | $4,028+11.9% |
| Admin fee / account holder | $2,746 | $5,232-47.5% | $6,411-57.2% | $5,403-49.2% |