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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 | $34,904 | $48,235-27.6% | $68,803-49.3% | $68,490-49.0% |
| Participation rate | 69.2% | 60.7%+8.6pp | 69.0%+0.2pp | 67.9%+1.3pp |
| Annual return | -21.93% | -12.70%-9.2pp | -6.37%-15.6pp | -7.85%-14.1pp |
| Employer contribution / active EE | $2,715 | $1,829+48.4% | $2,656+2.2% | $2,597+4.5% |
| Participant deferral / active EE | $8,110 | $2,867+182.9% | $3,942+105.7% | $4,028+101.3% |
| Admin fee / account holder | $1,455 | $4,361-66.6% | $4,936-70.5% | $5,403-73.1% |