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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 | $77,689 | $81,870-5.1% | $119,608-35.0% | $68,495+13.4% |
| Participation rate | 64.6% | 71.9%-7.3pp | 79.3%-14.6pp | 67.9%-3.3pp |
| Annual return | -19.25% | -23.82%+4.6pp | -14.98%-4.3pp | -7.84%-11.4pp |
| Employer contribution / active EE | $1,461 | $2,692-45.7% | $4,232-65.5% | $2,596-43.7% |
| Participant deferral / active EE | $4,135 | $4,148-0.3% | $5,601-26.2% | $4,028+2.7% |
| Admin fee / account holder | $4,018 | $6,583-39.0% | $10,326-61.1% | $5,403-25.6% |