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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 | $44,914 | $79,557-43.5% | $118,746-62.2% | $70,126-36.0% |
| Participation rate | 55.7% | 71.4%-15.6pp | 78.3%-22.6pp | 69.5%-13.8pp |
| Annual return | 11.23% | 25.64%-14.4pp | 24.54%-13.3pp | 73.15%-61.9pp |
| Employer contribution / active EE | $1,218 | $2,861-57.4% | $4,193-70.9% | $2,343-48.0% |
| Participant deferral / active EE | $1,519 | $4,089-62.9% | $5,332-71.5% | $3,332-54.4% |
| Admin fee / account holder | $1,821 | $5,374-66.1% | $10,720-83.0% | $4,645-60.8% |