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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 | $51,042 | $71,215-28.3% | $93,696-45.5% | $80,935-36.9% |
| Participation rate | 56.7% | 60.4%-3.7pp | 68.7%-12.1pp | 67.7%-11.0pp |
| Annual return | 8.34% | 11.27%-2.9pp | 133.74%-125.4pp | 35.66%-27.3pp |
| Employer contribution / active EE | $1,145 | $1,565-26.8% | $2,422-52.7% | $2,757-58.5% |
| Participant deferral / active EE | $3,693 | $4,037-8.5% | $4,417-16.4% | $4,299-14.1% |
| Admin fee / account holder | $4,581 | $6,958-34.2% | $8,287-44.7% | $6,924-33.8% |