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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 | $343,476 | $93,064+269.1% | $74,577+360.6% | $273,972+25.4% |
| Participation rate | 31.8% | 74.9%-43.1pp | 68.1%-36.3pp | 83.0%-51.2pp |
| Annual return | 0.03% | 26.18%-26.2pp | 20.47%-20.4pp | 41.46%-41.4pp |
| Employer contribution / active EE | $1,574 | $3,160-50.2% | $2,525-37.7% | $4,869-67.7% |
| Participant deferral / active EE | $3,067 | $4,160-26.3% | $3,458-11.3% | $5,287-42.0% |
| Admin fee / account holder | $1,532 | $5,273-71.0% | $4,138-63.0% | $10,133-84.9% |