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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 | $60,234 | $62,549-3.7% | $85,705-29.7% | $85,851-29.8% |
| Participation rate | 68.9% | 61.1%+7.8pp | 69.9%-1.0pp | 69.3%-0.4pp |
| Annual return | 7.93% | 23.77%-15.8pp | 21.49%-13.6pp | 318.63%-310.7pp |
| Employer contribution / active EE | $3,123 | $1,755+77.9% | $2,619+19.2% | $2,565+21.7% |
| Participant deferral / active EE | $5,047 | $2,802+80.1% | $3,924+28.6% | $3,952+27.7% |
| Admin fee / account holder | $7,731 | $4,644+66.5% | $6,877+12.4% | $6,261+23.5% |