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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 | $29,012 | $49,897-41.9% | $80,648-64.0% | $75,177-61.4% |
| Participation rate | 62.9% | 55.3%+7.5pp | 67.0%-4.2pp | 67.2%-4.3pp |
| Annual return | 12.33% | 34.68%-22.3pp | 937.21%-924.9pp | 160.75%-148.4pp |
| Employer contribution / active EE | $2,199 | $1,699+29.4% | $2,724-19.3% | $2,671-17.7% |
| Participant deferral / active EE | $3,698 | $2,992+23.6% | $4,443-16.8% | $4,126-10.4% |
| Admin fee / account holder | $4,463 | $3,579+24.7% | $5,382-17.1% | $5,651-21.0% |