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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 | $76,564-39.7% | $105,582-56.3% | $94,015-50.9% |
| Participation rate | 46.7% | 65.2%-18.5pp | 71.8%-25.1pp | 70.8%-24.2pp |
| Annual return | 7.44% | 20.69%-13.2pp | 18.61%-11.2pp | 17.84%-10.4pp |
| Employer contribution / active EE | $1,283 | $1,995-35.7% | $2,984-57.0% | $2,790-54.0% |
| Participant deferral / active EE | $3,173 | $3,320-4.4% | $4,353-27.1% | $4,249-25.3% |
| Admin fee / account holder | $15,001 | $7,129+110.4% | $12,856+16.7% | $8,951+67.6% |