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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 | $60,188 | $72,177-16.6% | $115,038-47.7% | $59,633+0.9% |
| Participation rate | 64.8% | 72.6%-7.7pp | 81.4%-16.6pp | 68.7%-3.9pp |
| Annual return | -3.03% | 12.02%-15.1pp | 26.14%-29.2pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $2,606 | $2,841-8.3% | $4,608-43.4% | $2,203+18.3% |
| Participant deferral / active EE | $5,874 | $4,783+22.8% | $6,026-2.5% | $3,192+84.0% |
| Admin fee / account holder | $1,572 | $4,927-68.1% | $8,175-80.8% | $4,297-63.4% |