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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 | $253,369 | $57,590+339.9% | $86,233+193.8% | $82,448+207.3% |
| Participation rate | 16.3% | 57.9%-41.5pp | 69.0%-52.7pp | 68.1%-51.7pp |
| Annual return | 12.04% | 22.41%-10.4pp | 61.39%-49.4pp | 41.64%-29.6pp |
| Employer contribution / active EE | $348 | $1,655-79.0% | $2,504-86.1% | $2,551-86.4% |
| Participant deferral / active EE | $863 | $3,080-72.0% | $4,559-81.1% | $4,139-79.2% |
| Admin fee / account holder | $7,179 | $4,730+51.8% | $8,342-13.9% | $7,234-0.8% |