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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 | $86,176 | $51,638+66.9% | $68,368+26.0% | $82,448+4.5% |
| Participation rate | 67.8% | 63.6%+4.2pp | 73.8%-6.0pp | 68.1%-0.3pp |
| Annual return | 11.90% | 37.53%-25.6pp | 292.57%-280.7pp | 41.64%-29.7pp |
| Employer contribution / active EE | $1,591 | $2,047-22.3% | $2,649-39.9% | $2,551-37.6% |
| Participant deferral / active EE | $7,953 | $2,914+173.0% | $4,123+92.9% | $4,139+92.1% |
| Admin fee / account holder | $9,136 | $4,643+96.8% | $5,150+77.4% | $7,234+26.3% |