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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 | $45,130 | $77,472-41.7% | $100,392-55.0% | $80,935-44.2% |
| Participation rate | 55.8% | 76.9%-21.1pp | 81.5%-25.7pp | 67.7%-11.8pp |
| Annual return | 11.45% | 37.26%-25.8pp | 49.45%-38.0pp | 35.66%-24.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,400 | $6,818-35.5% | $8,090-45.6% | $4,299+2.3% |
| Admin fee / account holder | $1,431 | $5,885-75.7% | $7,904-81.9% | $6,924-79.3% |