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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 | $264,986 | $88,672+198.8% | $105,223+151.8% | $82,448+221.4% |
| Participation rate | 48.5% | 67.9%-19.4pp | 75.0%-26.6pp | 68.1%-19.6pp |
| Annual return | 11.10% | 30.86%-19.8pp | 180.65%-169.5pp | 41.64%-30.5pp |
| Employer contribution / active EE | $2,574 | $3,048-15.5% | $3,689-30.2% | $2,551+0.9% |
| Participant deferral / active EE | $4,146 | $4,036+2.7% | $5,072-18.2% | $4,139+0.2% |
| Admin fee / account holder | $13,037 | $7,146+82.4% | $8,859+47.2% | $7,234+80.2% |