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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 | $140,665 | $72,027+95.3% | $185,835-24.3% | $79,852+76.2% |
| Participation rate | 67.9% | 65.8%+2.1pp | 78.0%-10.2pp | 69.6%-1.8pp |
| Annual return | -2.62% | 23.13%-25.7pp | 35.96%-38.6pp | 31.72%-34.3pp |
| Employer contribution / active EE | $1,734 | $1,965-11.8% | $4,087-57.6% | $2,471-29.8% |
| Participant deferral / active EE | $4,050 | $3,780+7.1% | $5,633-28.1% | $3,740+8.3% |
| Admin fee / account holder | $1,547 | $4,513-65.7% | $9,502-83.7% | $5,306-70.8% |