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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 | $46,112 | $101,778-54.7% | $164,975-72.0% | $80,925-43.0% |
| Participation rate | 36.5% | 71.8%-35.3pp | 78.6%-42.1pp | 67.7%-31.1pp |
| Annual return | 10.18% | 16.73%-6.5pp | 70.12%-59.9pp | 35.65%-25.5pp |
| Employer contribution / active EE | $1,415 | $2,954-52.1% | $4,343-67.4% | $2,756-48.7% |
| Participant deferral / active EE | $0 | $4,477-100.0% | $6,033-100.0% | $4,299-100.0% |
| Admin fee / account holder | $2,963 | $8,221-64.0% | $12,688-76.7% | $6,940-57.3% |