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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 | $121,318 | $59,819+102.8% | $79,583+52.4% | $68,490+77.1% |
| Participation rate | 61.5% | 61.1%+0.5pp | 69.5%-8.0pp | 67.9%-6.4pp |
| Annual return | -22.21% | -12.30%-9.9pp | 0.16%-22.4pp | -7.85%-14.4pp |
| Employer contribution / active EE | $1,979 | $1,505+31.5% | $2,414-18.0% | $2,597-23.8% |
| Participant deferral / active EE | $5,038 | $3,025+66.6% | $3,986+26.4% | $4,028+25.1% |
| Admin fee / account holder | $670 | $4,835-86.2% | $6,835-90.2% | $5,403-87.6% |