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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $315,456 | $124,425+153.5% | $112,040+181.6% | $137,256+129.8% |
| Participation rate | 60.0% | 79.3%-19.3pp | 76.5%-16.5pp | 80.0%-20.0pp |
| Annual return | 8.99% | 24.72%-15.7pp | 24.52%-15.5pp | 220.34%-211.4pp |
| Employer contribution / active EE | $1,161 | $3,411-66.0% | $2,954-60.7% | $4,156-72.1% |
| Participant deferral / active EE | $3,460 | $5,718-39.5% | $5,098-32.1% | $6,407-46.0% |
| Admin fee / account holder | $4,500 | $15,207-70.4% | $12,098-62.8% | $12,270-63.3% |