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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 | $57,028 | $49,976+14.1% | $66,674-14.5% | $82,637-31.0% |
| Participation rate | 66.7% | 63.1%+3.6pp | 73.7%-7.0pp | 68.1%-1.4pp |
| Annual return | 10.12% | 39.09%-29.0pp | 321.24%-311.1pp | 53.51%-43.4pp |
| Employer contribution / active EE | $1,921 | $1,988-3.4% | $2,620-26.7% | $2,552-24.7% |
| Participant deferral / active EE | $7,438 | $2,847+161.3% | $4,084+82.1% | $4,126+80.3% |
| Admin fee / account holder | $5,331 | $4,594+16.1% | $5,098+4.6% | $7,339-27.4% |