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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 | $43,013 | $57,140-24.7% | $85,240-49.5% | $80,959-46.9% |
| Participation rate | 51.0% | 56.4%-5.4pp | 67.5%-16.5pp | 67.7%-16.6pp |
| Annual return | 7.78% | 21.71%-13.9pp | 66.75%-59.0pp | 35.67%-27.9pp |
| Employer contribution / active EE | $1,521 | $1,802-15.6% | $2,735-44.4% | $2,757-44.8% |
| Participant deferral / active EE | $3,148 | $3,115+1.1% | $4,527-30.5% | $4,300-26.8% |
| Admin fee / account holder | $2,293 | $4,992-54.1% | $6,165-62.8% | $6,925-66.9% |