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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 | $82,074 | $81,870+0.2% | $119,622-31.4% | $68,486+19.8% |
| Participation rate | 51.9% | 71.9%-20.0pp | 79.3%-27.4pp | 67.9%-16.0pp |
| Annual return | -23.13% | -23.82%+0.7pp | -14.98%-8.1pp | -7.85%-15.3pp |
| Employer contribution / active EE | $1,770 | $2,692-34.2% | $4,232-58.2% | $2,597-31.8% |
| Participant deferral / active EE | $4,257 | $4,148+2.6% | $5,601-24.0% | $4,028+5.7% |
| Admin fee / account holder | $1,658 | $6,583-74.8% | $10,328-83.9% | $5,404-69.3% |