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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 | $42,988 | $72,177-40.4% | $115,038-62.6% | $59,633-27.9% |
| Participation rate | 67.6% | 72.6%-5.0pp | 81.4%-13.8pp | 68.7%-1.1pp |
| Annual return | -2.80% | 12.02%-14.8pp | 26.14%-28.9pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $2,634 | $2,841-7.3% | $4,608-42.8% | $2,203+19.6% |
| Participant deferral / active EE | $6,705 | $4,783+40.2% | $6,026+11.3% | $3,192+110.1% |
| Admin fee / account holder | $2,620 | $4,927-46.8% | $8,175-68.0% | $4,297-39.0% |