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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 | $51,481 | $93,598-45.0% | $135,974-62.1% | $75,173-31.5% |
| Participation rate | 69.2% | 75.2%-6.0pp | 81.9%-12.7pp | 67.2%+2.0pp |
| Annual return | 14.48% | 30.89%-16.4pp | 68.30%-53.8pp | 160.72%-146.2pp |
| Employer contribution / active EE | $4,558 | $3,538+28.8% | $4,859-6.2% | $2,671+70.7% |
| Participant deferral / active EE | $5,392 | $6,405-15.8% | $7,760-30.5% | $4,126+30.7% |
| Admin fee / account holder | $3,179 | $6,978-54.4% | $10,767-70.5% | $5,651-43.7% |