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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 | $272,307 | $181,896+49.7% | $156,551+73.9% | $273,972-0.6% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | -1.02% | 30.74%-31.8pp | 32.23%-33.3pp | 41.46%-42.5pp |
| Employer contribution / active EE | $3,477 | $6,248-44.4% | $5,501-36.8% | $4,869-28.6% |
| Participant deferral / active EE | $7,399 | $5,550+33.3% | $4,871+51.9% | $5,287+39.9% |
| Admin fee / account holder | $11,410 | $15,560-26.7% | $13,028-12.4% | $10,133+12.6% |