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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 | $40,395 | $65,704-38.5% | $94,229-57.1% | $59,633-32.3% |
| Participation rate | 67.6% | 72.1%-4.5pp | 78.8%-11.1pp | 68.7%-1.0pp |
| Annual return | -4.31% | 5.22%-9.5pp | 10.68%-15.0pp | 2041.45%-2045.8pp |
| Employer contribution / active EE | $1,835 | $2,021-9.2% | $3,587-48.8% | $2,203-16.7% |
| Participant deferral / active EE | $2,644 | $3,143-15.9% | $4,320-38.8% | $3,192-17.2% |
| Admin fee / account holder | $3,966 | $4,265-7.0% | $6,269-36.7% | $4,297-7.7% |