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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 | $80,360 | $72,492+10.9% | $87,102-7.7% | $72,983+10.1% |
| Participation rate | 68.8% | 72.8%-4.1pp | 76.9%-8.1pp | 69.5%-0.7pp |
| Annual return | -3.41% | 24.46%-27.9pp | 28.19%-31.6pp | 81.01%-84.4pp |
| Employer contribution / active EE | $3,169 | $1,894+67.3% | $2,521+25.7% | $2,440+29.9% |
| Participant deferral / active EE | $1,720 | $3,270-47.4% | $4,048-57.5% | $3,608-52.3% |
| Admin fee / account holder | $3,031 | $5,055-40.0% | $7,491-59.5% | $5,124-40.8% |