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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 | $49,343 | $59,834-17.5% | $79,576-38.0% | $68,495-28.0% |
| Participation rate | 65.8% | 61.1%+4.7pp | 69.5%-3.7pp | 67.9%-2.1pp |
| Annual return | -20.29% | -12.30%-8.0pp | 0.15%-20.4pp | -7.84%-12.4pp |
| Employer contribution / active EE | $2,473 | $1,505+64.3% | $2,413+2.5% | $2,596-4.7% |
| Participant deferral / active EE | $9,318 | $3,024+208.1% | $3,985+133.8% | $4,028+131.4% |
| Admin fee / account holder | $430 | $4,835-91.1% | $6,834-93.7% | $5,403-92.0% |