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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 | $76,642-30.2% | $146,866-63.6% | $65,306-18.1% |
| Participation rate | 67.0% | 61.2%+5.7pp | 82.5%-15.5pp | 57.7%+9.3pp |
| Annual return | 12.73% | 33.40%-20.7pp | 102.85%-90.1pp | 21.94%-9.2pp |
| Employer contribution / active EE | $5,771 | $2,621+120.2% | $4,425+30.4% | $1,967+193.3% |
| Participant deferral / active EE | $7,372 | $4,864+51.6% | $7,759-5.0% | $2,959+149.1% |
| Admin fee / account holder | $7,420 | $3,960+87.3% | $13,620-45.5% | $3,480+113.2% |