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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 | $45,518 | $54,541-16.5% | $78,778-42.2% | $70,126-35.1% |
| Participation rate | 52.3% | 60.8%-8.5pp | 69.2%-16.9pp | 69.5%-17.3pp |
| Annual return | 11.91% | 21.07%-9.2pp | 35.62%-23.7pp | 73.15%-61.2pp |
| Employer contribution / active EE | $316 | $1,089-71.0% | $1,986-84.1% | $2,343-86.5% |
| Participant deferral / active EE | $1,264 | $2,210-42.8% | $2,958-57.3% | $3,332-62.1% |
| Admin fee / account holder | $1,022 | $3,709-72.4% | $5,134-80.1% | $4,645-78.0% |