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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 | $69,191 | $73,839-6.3% | $143,788-51.9% | $68,495+1.0% |
| Participation rate | 63.9% | 66.7%-2.8pp | 80.3%-16.4pp | 67.9%-4.0pp |
| Annual return | -19.90% | 1.01%-20.9pp | -0.03%-19.9pp | -7.84%-12.1pp |
| Employer contribution / active EE | $2,436 | $3,184-23.5% | $4,952-50.8% | $2,596-6.2% |
| Participant deferral / active EE | $4,152 | $3,384+22.7% | $5,638-26.4% | $4,028+3.1% |
| Admin fee / account holder | $1,558 | $5,755-72.9% | $14,675-89.4% | $5,403-71.2% |