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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 | $102,618 | $60,442+69.8% | $96,754+6.1% | $87,485+17.3% |
| Participation rate | 66.1% | 58.7%+7.4pp | 70.3%-4.1pp | 68.9%-2.8pp |
| Annual return | 12.51% | 21.97%-9.5pp | 82.04%-69.5pp | 26.06%-13.5pp |
| Employer contribution / active EE | $1,987 | $1,691+17.5% | $2,679-25.8% | $2,596-23.5% |
| Participant deferral / active EE | $4,584 | $3,280+39.7% | $4,758-3.7% | $4,274+7.3% |
| Admin fee / account holder | $2,351 | $5,069-53.6% | $8,905-73.6% | $7,775-69.8% |