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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 | $47,934 | $75,058-36.1% | $152,301-68.5% | $64,340-25.5% |
| Participation rate | 61.5% | 60.9%+0.6pp | 82.4%-21.0pp | 55.2%+6.2pp |
| Annual return | 13.29% | 29.93%-16.6pp | 80.50%-67.2pp | 24.14%-10.8pp |
| Employer contribution / active EE | $1,477 | $2,605-43.3% | $4,624-68.1% | $1,862-20.7% |
| Participant deferral / active EE | $7,067 | $5,041+40.2% | $8,004-11.7% | $2,980+137.1% |
| Admin fee / account holder | $3,061 | $4,050-24.4% | $14,398-78.7% | $3,703-17.3% |