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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 | $44,631 | $86,949-48.7% | $102,460-56.4% | $80,959-44.9% |
| Participation rate | 58.1% | 72.4%-14.3pp | 76.5%-18.4pp | 67.7%-9.6pp |
| Annual return | 10.28% | 18.89%-8.6pp | 29.47%-19.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,534 | $2,370-35.3% | $3,025-49.3% | $2,757-44.4% |
| Participant deferral / active EE | $3,648 | $4,121-11.5% | $5,056-27.9% | $4,300-15.2% |
| Admin fee / account holder | $3,191 | $8,048-60.3% | $9,460-66.3% | $6,925-53.9% |