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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 | $300,825 | $201,372+49.4% | $184,260+63.3% | $145,884+106.2% |
| Participation rate | 40.0% | 87.5%-47.5pp | 86.8%-46.8pp | 80.3%-40.3pp |
| Annual return | 2.83% | 29.04%-26.2pp | 28.84%-26.0pp | 551.85%-549.0pp |
| Employer contribution / active EE | $1,713 | $7,024-75.6% | $6,427-73.3% | $4,662-63.2% |
| Participant deferral / active EE | $9,200 | $9,808-6.2% | $9,133+0.7% | $6,690+37.5% |
| Admin fee / account holder | $4,041 | $16,362-75.3% | $13,898-70.9% | $13,392-69.8% |