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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 | $72,418 | $62,589+15.7% | $76,768-5.7% | $64,173+12.8% |
| Participation rate | 44.9% | 72.8%-27.9pp | 77.0%-32.1pp | 69.6%-24.7pp |
| Annual return | -9.20% | -1.95%-7.3pp | 2.43%-11.6pp | 7.63%-16.8pp |
| Employer contribution / active EE | $1,020 | $1,832-44.3% | $2,485-58.9% | $2,381-57.1% |
| Participant deferral / active EE | $2,796 | $3,145-11.1% | $3,852-27.4% | $3,470-19.4% |
| Admin fee / account holder | $570 | $4,667-87.8% | $6,675-91.5% | $4,887-88.3% |