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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 | $58,046 | $72,177-19.6% | $115,038-49.5% | $59,633-2.7% |
| Participation rate | 64.3% | 72.6%-8.3pp | 81.4%-17.1pp | 68.7%-4.4pp |
| Annual return | -2.70% | 12.02%-14.7pp | 26.14%-28.8pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $3,006 | $2,841+5.8% | $4,608-34.8% | $2,203+36.5% |
| Participant deferral / active EE | $7,461 | $4,783+56.0% | $6,026+23.8% | $3,192+133.8% |
| Admin fee / account holder | $7,080 | $4,927+43.7% | $8,175-13.4% | $4,297+64.8% |