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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 | $59,342 | $58,311+1.8% | $81,882-27.5% | $80,959-26.7% |
| Participation rate | 69.2% | 63.5%+5.7pp | 72.4%-3.2pp | 67.7%+1.6pp |
| Annual return | 8.40% | 41.85%-33.5pp | 779.47%-771.1pp | 35.67%-27.3pp |
| Employer contribution / active EE | $1,892 | $2,347-19.4% | $2,916-35.1% | $2,757-31.4% |
| Participant deferral / active EE | $4,399 | $3,287+33.8% | $4,323+1.8% | $4,300+2.3% |
| Admin fee / account holder | $3,676 | $4,752-22.6% | $7,360-50.0% | $6,925-46.9% |