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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 | $258,340 | $106,749+142.0% | $145,433+77.6% | $82,448+213.3% |
| Participation rate | 27.1% | 75.6%-48.5pp | 82.1%-55.0pp | 68.1%-40.9pp |
| Annual return | 13.71% | 27.59%-13.9pp | 66.58%-52.9pp | 41.64%-27.9pp |
| Employer contribution / active EE | $1,049 | $3,444-69.5% | $4,554-77.0% | $2,551-58.9% |
| Participant deferral / active EE | $2,922 | $6,519-55.2% | $7,897-63.0% | $4,139-29.4% |
| Admin fee / account holder | $2,350 | $8,390-72.0% | $13,129-82.1% | $7,234-67.5% |