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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 | $400,816 | $138,312+189.8% | $122,979+225.9% | $155,188+158.3% |
| Participation rate | 50.0% | 80.2%-30.2pp | 77.2%-27.2pp | 80.8%-30.8pp |
| Annual return | 3.57% | 22.06%-18.5pp | 20.12%-16.5pp | 148.84%-145.3pp |
| Employer contribution / active EE | $1,275 | $3,530-63.9% | $3,062-58.4% | $4,248-70.0% |
| Participant deferral / active EE | $5,831 | $5,592+4.3% | $5,003+16.6% | $6,531-10.7% |
| Admin fee / account holder | $2,865 | $15,089-81.0% | $12,864-77.7% | $14,480-80.2% |