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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 | $50,784 | $45,312+12.1% | $86,233-41.1% | $67,986-25.3% |
| Participation rate | 69.7% | 42.4%+27.2pp | 69.0%+0.7pp | 57.2%+12.5pp |
| Annual return | 12.97% | 24.79%-11.8pp | 61.39%-48.4pp | 31.67%-18.7pp |
| Employer contribution / active EE | $1,556 | $1,160+34.2% | $2,504-37.9% | $2,019-22.9% |
| Participant deferral / active EE | $2,854 | $2,185+30.7% | $4,559-37.4% | $3,358-15.0% |
| Admin fee / account holder | $3,433 | $3,295+4.2% | $8,342-58.8% | $3,203+7.2% |