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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 | $42,770 | $73,955-42.2% | $96,520-55.7% | $75,181-43.1% |
| Participation rate | 57.6% | 66.4%-8.8pp | 74.3%-16.8pp | 67.2%-9.6pp |
| Annual return | 8.33% | 26.72%-18.4pp | 35.72%-27.4pp | 160.69%-152.4pp |
| Employer contribution / active EE | $1,769 | $2,930-39.6% | $3,739-52.7% | $2,671-33.7% |
| Participant deferral / active EE | $2,874 | $3,659-21.5% | $4,879-41.1% | $4,126-30.3% |
| Admin fee / account holder | $1,435 | $5,217-72.5% | $6,733-78.7% | $5,650-74.6% |