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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 | $43,479 | $49,249-11.7% | $70,476-38.3% | $79,852-45.6% |
| Participation rate | 60.0% | 69.2%-9.2pp | 75.1%-15.1pp | 69.6%-9.6pp |
| Annual return | 3.80% | 30.09%-26.3pp | 109.12%-105.3pp | 31.72%-27.9pp |
| Employer contribution / active EE | $1,142 | $2,100-45.6% | $2,738-58.3% | $2,471-53.8% |
| Participant deferral / active EE | $3,169 | $2,769+14.4% | $3,710-14.6% | $3,740-15.3% |
| Admin fee / account holder | $1,633 | $2,878-43.3% | $3,847-57.5% | $5,306-69.2% |