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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 | $46,181 | $69,444-33.5% | $92,985-50.3% | $87,485-47.2% |
| Participation rate | 46.7% | 63.3%-16.6pp | 69.5%-22.8pp | 68.9%-22.3pp |
| Annual return | 7.44% | 23.85%-16.4pp | 27.99%-20.5pp | 26.06%-18.6pp |
| Employer contribution / active EE | $1,283 | $1,917-33.1% | $2,662-51.8% | $2,596-50.6% |
| Participant deferral / active EE | $3,173 | $3,364-5.7% | $4,377-27.5% | $4,274-25.7% |
| Admin fee / account holder | $15,001 | $6,137+144.4% | $9,463+58.5% | $7,775+92.9% |