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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 | $43,186 | $72,486-40.4% | $87,103-50.4% | $72,976-40.8% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.9%-16.9pp | 69.5%-9.5pp |
| Annual return | 15.23% | 24.46%-9.2pp | 28.19%-13.0pp | 81.02%-65.8pp |
| Employer contribution / active EE | $1,188 | $1,894-37.3% | $2,521-52.9% | $2,440-51.3% |
| Participant deferral / active EE | $1,743 | $3,270-46.7% | $4,049-56.9% | $3,608-51.7% |
| Admin fee / account holder | $17,501 | $5,055+246.2% | $7,491+133.6% | $5,124+241.5% |