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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 | $37,803 | $46,534-18.8% | $64,097-41.0% | $75,177-49.7% |
| Participation rate | 59.4% | 65.9%-6.6pp | 72.3%-12.9pp | 67.2%-7.8pp |
| Annual return | 11.00% | 26.07%-15.1pp | 33.75%-22.7pp | 160.75%-149.8pp |
| Employer contribution / active EE | $1,155 | $1,976-41.6% | $2,750-58.0% | $2,671-56.8% |
| Participant deferral / active EE | $2,744 | $2,835-3.2% | $3,881-29.3% | $4,126-33.5% |
| Admin fee / account holder | $1,482 | $2,957-49.9% | $3,070-51.7% | $5,651-73.8% |