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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 | $53,493 | $75,058-28.7% | $152,301-64.9% | $64,340-16.9% |
| Participation rate | 67.0% | 60.9%+6.1pp | 82.4%-15.5pp | 55.2%+11.7pp |
| Annual return | 12.73% | 29.93%-17.2pp | 80.50%-67.8pp | 24.14%-11.4pp |
| Employer contribution / active EE | $5,771 | $2,605+121.6% | $4,624+24.8% | $1,862+210.0% |
| Participant deferral / active EE | $7,372 | $5,041+46.2% | $8,004-7.9% | $2,980+147.4% |
| Admin fee / account holder | $7,420 | $4,050+83.2% | $14,398-48.5% | $3,703+100.4% |