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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 | $46,172 | $45,043+2.5% | $85,063-45.7% | $74,400-37.9% |
| Participation rate | 47.9% | 49.4%-1.4pp | 67.5%-19.6pp | 67.2%-19.3pp |
| Annual return | 10.89% | 26.26%-15.4pp | 66.54%-55.6pp | 1367.51%-1356.6pp |
| Employer contribution / active EE | $1,701 | $1,458+16.7% | $2,727-37.6% | $2,624-35.2% |
| Participant deferral / active EE | $2,656 | $2,733-2.8% | $4,523-41.3% | $4,348-38.9% |
| Admin fee / account holder | $1,655 | $2,210-25.1% | $6,155-73.1% | $1,944-14.8% |