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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 | $45,471 | $46,877-3.0% | $122,354-62.8% | $70,124-35.2% |
| Participation rate | 56.6% | 58.2%-1.6pp | 71.6%-15.1pp | 69.5%-13.0pp |
| Annual return | 12.30% | 24.22%-11.9pp | 30.28%-18.0pp | 73.14%-60.8pp |
| Employer contribution / active EE | $1,261 | $1,288-2.1% | $4,051-68.9% | $2,342-46.2% |
| Participant deferral / active EE | $4,139 | $2,167+91.0% | $3,287+25.9% | $3,332+24.2% |
| Admin fee / account holder | $3,260 | $3,324-1.9% | $5,479-40.5% | $4,645-29.8% |