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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 | $40,086 | $69,977-42.7% | $108,582-63.1% | $62,881-36.3% |
| Participation rate | 65.5% | 72.9%-7.4pp | 79.6%-14.1pp | 69.3%-3.9pp |
| Annual return | 4.58% | 10.73%-6.1pp | -51.70%+56.3pp | 20.14%-15.6pp |
| Employer contribution / active EE | $1,461 | $2,135-31.5% | $3,758-61.1% | $2,281-35.9% |
| Participant deferral / active EE | $2,314 | $3,165-26.9% | $4,311-46.3% | $3,203-27.8% |
| Admin fee / account holder | $2,702 | $5,076-46.8% | $7,645-64.7% | $4,296-37.1% |