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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 | $57,061-24.6% | $85,063-49.4% | $80,911-46.8% |
| Participation rate | 51.0% | 56.3%-5.3pp | 67.5%-16.5pp | 67.6%-16.6pp |
| Annual return | 7.78% | 21.66%-13.9pp | 66.54%-58.8pp | 35.63%-27.9pp |
| Employer contribution / active EE | $1,521 | $1,799-15.5% | $2,727-44.2% | $2,756-44.8% |
| Participant deferral / active EE | $3,148 | $3,110+1.2% | $4,523-30.4% | $4,297-26.7% |
| Admin fee / account holder | $2,293 | $4,986-54.0% | $6,155-62.7% | $6,935-66.9% |