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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 | $45,168 | $56,054-19.4% | $171,082-73.6% | $62,881-28.2% |
| Participation rate | 45.5% | 62.9%-17.4pp | 76.7%-31.2pp | 69.3%-23.9pp |
| Annual return | 4.38% | 22.52%-18.1pp | 32.56%-28.2pp | 20.14%-15.8pp |
| Employer contribution / active EE | $758 | $1,731-56.2% | $4,002-81.1% | $2,281-66.8% |
| Participant deferral / active EE | $2,422 | $3,158-23.3% | $4,797-49.5% | $3,203-24.4% |
| Admin fee / account holder | $3,451 | $3,647-5.4% | $8,520-59.5% | $4,296-19.7% |