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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 | $48,808 | $55,902-12.7% | $76,030-35.8% | $80,959-39.7% |
| Participation rate | 67.6% | 62.1%+5.6pp | 69.1%-1.4pp | 67.7%0pp |
| Annual return | 7.31% | 20.59%-13.3pp | 361.54%-354.2pp | 35.67%-28.4pp |
| Employer contribution / active EE | $1,106 | $1,867-40.7% | $2,688-58.8% | $2,757-59.9% |
| Participant deferral / active EE | $2,489 | $3,051-18.4% | $4,257-41.5% | $4,300-42.1% |
| Admin fee / account holder | $6,539 | $5,239+24.8% | $6,421+1.8% | $6,925-5.6% |