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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 | $273,400 | $55,889+389.2% | $76,119+259.2% | $80,935+237.8% |
| Participation rate | 43.9% | 62.1%-18.2pp | 69.1%-25.2pp | 67.7%-23.8pp |
| Annual return | 8.90% | 20.58%-11.7pp | 361.25%-352.3pp | 35.66%-26.8pp |
| Employer contribution / active EE | $2,062 | $1,866+10.5% | $2,693-23.4% | $2,757-25.2% |
| Participant deferral / active EE | $4,548 | $3,051+49.1% | $4,259+6.8% | $4,299+5.8% |
| Admin fee / account holder | $14,437 | $5,241+175.4% | $6,421+124.8% | $6,924+108.5% |