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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 | $106,864+141.7% | $147,318+75.4% | $82,637+212.6% |
| Participation rate | 27.1% | 75.5%-48.4pp | 82.1%-54.9pp | 68.1%-40.9pp |
| Annual return | 13.71% | 27.49%-13.8pp | 70.43%-56.7pp | 53.51%-39.8pp |
| Employer contribution / active EE | $1,049 | $3,417-69.3% | $4,593-77.2% | $2,552-58.9% |
| Participant deferral / active EE | $2,922 | $6,496-55.0% | $7,906-63.0% | $4,126-29.2% |
| Admin fee / account holder | $2,350 | $8,415-72.1% | $13,708-82.9% | $7,339-68.0% |