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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 | $52,499 | $49,976+5.0% | $66,674-21.3% | $82,637-36.5% |
| Participation rate | 69.2% | 63.1%+6.1pp | 73.7%-4.4pp | 68.1%+1.2pp |
| Annual return | 10.32% | 39.09%-28.8pp | 321.24%-310.9pp | 53.51%-43.2pp |
| Employer contribution / active EE | $4,051 | $1,988+103.8% | $2,620+54.6% | $2,552+58.7% |
| Participant deferral / active EE | $3,998 | $2,847+40.5% | $4,084-2.1% | $4,126-3.1% |
| Admin fee / account holder | $13,532 | $4,594+194.6% | $5,098+165.4% | $7,339+84.4% |