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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 | $45,986 | $80,985-43.2% | $96,576-52.4% | $75,181-38.8% |
| Participation rate | 64.5% | 71.8%-7.3pp | 76.0%-11.5pp | 67.2%-2.7pp |
| Annual return | 10.19% | 27.05%-16.9pp | 25.87%-15.7pp | 160.69%-150.5pp |
| Employer contribution / active EE | $1,299 | $2,282-43.1% | $2,965-56.2% | $2,671-51.3% |
| Participant deferral / active EE | $3,189 | $3,929-18.8% | $4,851-34.3% | $4,126-22.7% |
| Admin fee / account holder | $2,015 | $6,719-70.0% | $8,253-75.6% | $5,650-64.3% |