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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 | $146,397 | $81,446+79.7% | $103,374+41.6% | $80,874+81.0% |
| Participation rate | 68.0% | 66.9%+1.1pp | 74.5%-6.5pp | 67.6%+0.4pp |
| Annual return | -3.75% | 25.57%-29.3pp | 24.89%-28.6pp | 35.62%-39.4pp |
| Employer contribution / active EE | $2,412 | $3,107-22.4% | $3,869-37.7% | $2,756-12.5% |
| Participant deferral / active EE | $3,780 | $3,870-2.3% | $5,058-25.3% | $4,297-12.0% |
| Admin fee / account holder | $1,156 | $6,715-82.8% | $8,394-86.2% | $6,935-83.3% |