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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 | $38,529 | $46,534-17.2% | $64,097-39.9% | $75,177-48.7% |
| Participation rate | 60.0% | 65.9%-5.9pp | 72.3%-12.3pp | 67.2%-7.2pp |
| Annual return | 5.16% | 26.07%-20.9pp | 33.75%-28.6pp | 160.75%-155.6pp |
| Employer contribution / active EE | $2,566 | $1,976+29.9% | $2,750-6.7% | $2,671-3.9% |
| Participant deferral / active EE | $1,611 | $2,835-43.2% | $3,881-58.5% | $4,126-61.0% |
| Admin fee / account holder | $5,464 | $2,957+84.8% | $3,070+78.0% | $5,651-3.3% |