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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 | $82,770 | $71,878+15.2% | $86,698-4.5% | $68,486+20.9% |
| Participation rate | 65.1% | 72.2%-7.1pp | 76.6%-11.5pp | 67.9%-2.8pp |
| Annual return | -19.21% | 3.53%-22.7pp | 35.95%-55.2pp | -7.85%-11.4pp |
| Employer contribution / active EE | $2,104 | $2,173-3.2% | $2,837-25.8% | $2,597-19.0% |
| Participant deferral / active EE | $5,659 | $3,779+49.7% | $4,656+21.5% | $4,028+40.5% |
| Admin fee / account holder | $8,365 | $6,113+36.8% | $7,493+11.6% | $5,404+54.8% |