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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 | $44,065 | $65,367-32.6% | $92,915-52.6% | $72,976-39.6% |
| Participation rate | 60.0% | 68.3%-8.3pp | 76.0%-16.0pp | 69.5%-9.5pp |
| Annual return | 2.39% | 42.11%-39.7pp | 109.45%-107.1pp | 81.02%-78.6pp |
| Employer contribution / active EE | $1,612 | $2,594-37.8% | $3,653-55.9% | $2,440-33.9% |
| Participant deferral / active EE | $3,062 | $3,128-2.1% | $4,238-27.8% | $3,608-15.1% |
| Admin fee / account holder | $2,424 | $4,251-43.0% | $5,796-58.2% | $5,124-52.7% |