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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 | $317,312 | $106,749+197.2% | $145,433+118.2% | $82,448+284.9% |
| Participation rate | 54.3% | 75.6%-21.4pp | 82.1%-27.8pp | 68.1%-13.8pp |
| Annual return | 13.39% | 27.59%-14.2pp | 66.58%-53.2pp | 41.64%-28.2pp |
| Employer contribution / active EE | $3,262 | $3,444-5.3% | $4,554-28.4% | $2,551+27.9% |
| Participant deferral / active EE | $7,624 | $6,519+17.0% | $7,897-3.5% | $4,139+84.2% |
| Admin fee / account holder | $49,490 | $8,390+489.9% | $13,129+277.0% | $7,234+584.1% |