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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 | $61,687 | $56,894+8.4% | $84,753-27.2% | $62,881-1.9% |
| Participation rate | 41.0% | 68.5%-27.6pp | 76.6%-35.6pp | 69.3%-28.3pp |
| Annual return | -1.47% | 6.30%-7.8pp | 22.78%-24.3pp | 20.14%-21.6pp |
| Employer contribution / active EE | $2,124 | $2,400-11.5% | $3,574-40.6% | $2,281-6.9% |
| Participant deferral / active EE | $3,702 | $2,709+36.6% | $3,712-0.3% | $3,203+15.6% |
| Admin fee / account holder | $1,480 | $3,581-58.7% | $5,333-72.3% | $4,296-65.5% |