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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 | $74,341 | $72,269+2.9% | $101,271-26.6% | $79,852-6.9% |
| Participation rate | 66.0% | 68.5%-2.5pp | 75.8%-9.8pp | 69.6%-3.7pp |
| Annual return | -1.92% | 22.29%-24.2pp | 46.48%-48.4pp | 31.72%-33.6pp |
| Employer contribution / active EE | $1,314 | $2,692-51.2% | $3,660-64.1% | $2,471-46.8% |
| Participant deferral / active EE | $2,683 | $3,282-18.2% | $4,371-38.6% | $3,740-28.3% |
| Admin fee / account holder | $3,468 | $4,401-21.2% | $5,948-41.7% | $5,306-34.7% |