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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 | $286,375 | $73,787+288.1% | $98,716+190.1% | $82,448+247.3% |
| Participation rate | 68.4% | 61.4%+7.0pp | 69.3%-0.9pp | 68.1%+0.4pp |
| Annual return | 12.44% | 18.57%-6.1pp | 31.81%-19.4pp | 41.64%-29.2pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,303 | $3,081+104.6% | $4,048+55.7% | $4,139+52.3% |
| Admin fee / account holder | $5,156 | $6,500-20.7% | $8,703-40.8% | $7,234-28.7% |