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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 | $43,523 | $49,896-12.8% | $80,627-46.0% | $75,173-42.1% |
| Participation rate | 63.9% | 55.3%+8.6pp | 67.0%-3.1pp | 67.2%-3.3pp |
| Annual return | 13.56% | 34.67%-21.1pp | 936.76%-923.2pp | 160.72%-147.2pp |
| Employer contribution / active EE | $1,496 | $1,699-11.9% | $2,723-45.0% | $2,671-44.0% |
| Participant deferral / active EE | $1,926 | $2,992-35.6% | $4,443-56.7% | $4,126-53.3% |
| Admin fee / account holder | $4,950 | $3,578+38.3% | $5,381-8.0% | $5,651-12.4% |