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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 | $53,547 | $54,729-2.2% | $86,235-37.9% | $71,529-25.1% |
| Participation rate | 62.2% | 60.1%+2.0pp | 69.0%-6.8pp | 67.9%-5.8pp |
| Annual return | 13.23% | 20.07%-6.8pp | 1170.03%-1156.8pp | 28.97%-15.7pp |
| Employer contribution / active EE | $992 | $1,267-21.8% | $2,381-58.4% | $2,590-61.7% |
| Participant deferral / active EE | $2,592 | $3,110-16.7% | $3,987-35.0% | $4,291-39.6% |
| Admin fee / account holder | $5,836 | $1,921+203.7% | $6,856-14.9% | $1,588+267.4% |