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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 | $49,976+72.4% | $66,674+29.3% | $82,637+4.3% |
| Participation rate | 67.8% | 63.1%+4.7pp | 73.7%-5.9pp | 68.1%-0.3pp |
| Annual return | 11.90% | 39.09%-27.2pp | 321.24%-309.3pp | 53.51%-41.6pp |
| Employer contribution / active EE | $1,591 | $1,988-20.0% | $2,620-39.3% | $2,552-37.7% |
| Participant deferral / active EE | $7,953 | $2,847+179.4% | $4,084+94.7% | $4,126+92.8% |
| Admin fee / account holder | $9,136 | $4,594+98.9% | $5,098+79.2% | $7,339+24.5% |