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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 | $76,581 | $81,870-6.5% | $119,622-36.0% | $68,486+11.8% |
| Participation rate | 42.4% | 71.9%-29.5pp | 79.3%-36.9pp | 67.9%-25.5pp |
| Annual return | -21.11% | -23.82%+2.7pp | -14.98%-6.1pp | -7.85%-13.3pp |
| Employer contribution / active EE | $1,770 | $2,692-34.3% | $4,232-58.2% | $2,597-31.8% |
| Participant deferral / active EE | $3,739 | $4,148-9.9% | $5,601-33.2% | $4,028-7.2% |
| Admin fee / account holder | $4,919 | $6,583-25.3% | $10,328-52.4% | $5,404-9.0% |