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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 | $54,529 | $67,411-19.1% | $91,004-40.1% | $70,126-22.2% |
| Participation rate | 61.0% | 71.4%-10.4pp | 75.6%-14.6pp | 69.5%-8.6pp |
| Annual return | 11.33% | -40.16%+51.5pp | 4.60%+6.7pp | 73.15%-61.8pp |
| Employer contribution / active EE | $1,141 | $1,786-36.1% | $2,456-53.5% | $2,343-51.3% |
| Participant deferral / active EE | $3,151 | $2,823+11.6% | $3,548-11.2% | $3,332-5.4% |
| Admin fee / account holder | $1,664 | $4,236-60.7% | $5,417-69.3% | $4,645-64.2% |