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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 | $80,396 | $73,848+8.9% | $143,799-44.1% | $68,486+17.4% |
| Participation rate | 64.4% | 66.7%-2.2pp | 80.3%-15.9pp | 67.9%-3.4pp |
| Annual return | -19.69% | 0.91%-20.6pp | -0.04%-19.6pp | -7.85%-11.8pp |
| Employer contribution / active EE | $1,103 | $3,184-65.4% | $4,952-77.7% | $2,597-57.5% |
| Participant deferral / active EE | $2,294 | $3,385-32.2% | $5,638-59.3% | $4,028-43.0% |
| Admin fee / account holder | $3,442 | $5,755-40.2% | $14,677-76.5% | $5,404-36.3% |