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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 | $38,740 | $55,902-30.7% | $76,030-49.0% | $80,959-52.1% |
| Participation rate | 60.0% | 62.1%-2.1pp | 69.1%-9.1pp | 67.7%-7.7pp |
| Annual return | 8.80% | 20.59%-11.8pp | 361.54%-352.7pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,629 | $1,867-12.7% | $2,688-39.4% | $2,757-40.9% |
| Participant deferral / active EE | $3,126 | $3,051+2.5% | $4,257-26.6% | $4,300-27.3% |
| Admin fee / account holder | $4,392 | $5,239-16.2% | $6,421-31.6% | $6,925-36.6% |