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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 | $475,227 | $73,787+544.1% | $98,716+381.4% | $82,448+476.4% |
| Participation rate | 31.3% | 61.4%-30.2pp | 69.3%-38.0pp | 68.1%-36.8pp |
| Annual return | 12.23% | 18.57%-6.3pp | 31.81%-19.6pp | 41.64%-29.4pp |
| Employer contribution / active EE | $371 | $1,511-75.4% | $2,279-83.7% | $2,551-85.5% |
| Participant deferral / active EE | $2,968 | $3,081-3.7% | $4,048-26.7% | $4,139-28.3% |
| Admin fee / account holder | $11,123 | $6,500+71.1% | $8,703+27.8% | $7,234+53.8% |