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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 | $46,224 | $49,976-7.5% | $66,674-30.7% | $82,637-44.1% |
| Participation rate | 67.9% | 63.1%+4.8pp | 73.7%-5.8pp | 68.1%-0.2pp |
| Annual return | 12.48% | 39.09%-26.6pp | 321.24%-308.8pp | 53.51%-41.0pp |
| Employer contribution / active EE | $1,404 | $1,988-29.4% | $2,620-46.4% | $2,552-45.0% |
| Participant deferral / active EE | $2,133 | $2,847-25.1% | $4,084-47.8% | $4,126-48.3% |
| Admin fee / account holder | $6,132 | $4,594+33.5% | $5,098+20.3% | $7,339-16.4% |