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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 | $61,514 | $48,078+27.9% | $78,676-21.8% | $62,881-2.2% |
| Participation rate | 61.5% | 65.2%-3.7pp | 73.6%-12.0pp | 69.3%-7.8pp |
| Annual return | -2.24% | 31.36%-33.6pp | 62.19%-64.4pp | 20.14%-22.4pp |
| Employer contribution / active EE | $2,843 | $2,015+41.1% | $2,850-0.3% | $2,281+24.6% |
| Participant deferral / active EE | $0 | $2,587-100.0% | $3,517-100.0% | $3,203-100.0% |
| Admin fee / account holder | $2,393 | $3,206-25.4% | $4,510-46.9% | $4,296-44.3% |