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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 | $55,624 | $52,279+6.4% | $89,414-37.8% | $79,852-30.3% |
| Participation rate | 67.6% | 57.5%+10.1pp | 68.0%-0.3pp | 69.6%-2.0pp |
| Annual return | 1.52% | 22.16%-20.6pp | 245.50%-244.0pp | 31.72%-30.2pp |
| Employer contribution / active EE | $2,240 | $1,572+42.6% | $2,586-13.4% | $2,471-9.3% |
| Participant deferral / active EE | $8,131 | $2,740+196.7% | $3,890+109.0% | $3,740+117.4% |
| Admin fee / account holder | $6,113 | $3,356+82.1% | $4,883+25.2% | $5,306+15.2% |