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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 | $90,722 | $64,729+40.2% | $112,263-19.2% | $68,490+32.5% |
| Participation rate | 63.4% | 67.2%-3.7pp | 75.1%-11.6pp | 67.9%-4.5pp |
| Annual return | -20.98% | -11.40%-9.6pp | 27.49%-48.5pp | -7.85%-13.1pp |
| Employer contribution / active EE | $2,330 | $2,746-15.2% | $3,636-35.9% | $2,597-10.3% |
| Participant deferral / active EE | $4,879 | $3,566+36.8% | $4,729+3.2% | $4,028+21.1% |
| Admin fee / account holder | $1,421 | $5,222-72.8% | $6,410-77.8% | $5,403-73.7% |