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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 | $46,245 | $48,078-3.8% | $78,676-41.2% | $62,881-26.5% |
| Participation rate | 63.5% | 65.2%-1.7pp | 73.6%-10.1pp | 69.3%-5.8pp |
| Annual return | -1.53% | 31.36%-32.9pp | 62.19%-63.7pp | 20.14%-21.7pp |
| Employer contribution / active EE | $1,016 | $2,015-49.5% | $2,850-64.3% | $2,281-55.4% |
| Participant deferral / active EE | $1,632 | $2,587-36.9% | $3,517-53.6% | $3,203-49.0% |
| Admin fee / account holder | $3,990 | $3,206+24.5% | $4,510-11.5% | $4,296-7.1% |