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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 | $44,252 | $45,343-2.4% | $150,298-70.6% | $67,986-34.9% |
| Participation rate | 34.6% | 51.9%-17.2pp | 77.8%-43.1pp | 57.2%-22.6pp |
| Annual return | 11.31% | 33.28%-22.0pp | 62.79%-51.5pp | 31.67%-20.4pp |
| Employer contribution / active EE | $1,298 | $1,462-11.2% | $4,154-68.7% | $2,019-35.7% |
| Participant deferral / active EE | $1,423 | $2,055-30.7% | $5,453-73.9% | $3,358-57.6% |
| Admin fee / account holder | $6,316 | $2,250+180.7% | $14,116-55.3% | $3,203+97.2% |