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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 | $307,949 | $75,541+307.7% | $152,093+102.5% | $82,637+272.7% |
| Participation rate | 15.4% | 66.5%-51.2pp | 77.8%-62.4pp | 68.1%-52.7pp |
| Annual return | 3.81% | 32.56%-28.7pp | 66.36%-62.5pp | 53.51%-49.7pp |
| Employer contribution / active EE | $1,207 | $2,622-54.0% | $4,175-71.1% | $2,552-52.7% |
| Participant deferral / active EE | $3,466 | $3,206+8.1% | $5,451-36.4% | $4,126-16.0% |
| Admin fee / account holder | $1,464 | $6,405-77.1% | $14,497-89.9% | $7,339-80.0% |