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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 | $120,228 | $73,848+62.8% | $143,799-16.4% | $68,486+75.6% |
| Participation rate | 62.5% | 66.7%-4.2pp | 80.3%-17.8pp | 67.9%-5.4pp |
| Annual return | -19.90% | 0.91%-20.8pp | -0.04%-19.9pp | -7.85%-12.0pp |
| Employer contribution / active EE | $2,410 | $3,184-24.3% | $4,952-51.3% | $2,597-7.2% |
| Participant deferral / active EE | $6,000 | $3,385+77.3% | $5,638+6.4% | $4,028+49.0% |
| Admin fee / account holder | $1,292 | $5,755-77.6% | $14,677-91.2% | $5,404-76.1% |