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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 | $66,115 | $50,947+29.8% | $74,551-11.3% | $64,173+3.0% |
| Participation rate | 46.2% | 61.1%-14.9pp | 69.1%-23.0pp | 69.6%-23.4pp |
| Annual return | -8.67% | -1.85%-6.8pp | 32.53%-41.2pp | 7.63%-16.3pp |
| Employer contribution / active EE | $1,876 | $1,115+68.2% | $1,961-4.3% | $2,381-21.2% |
| Participant deferral / active EE | $4,594 | $2,302+99.6% | $3,108+47.8% | $3,470+32.4% |
| Admin fee / account holder | $4,137 | $4,221-2.0% | $5,059-18.2% | $4,887-15.4% |