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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 | $261,077 | $100,194+160.6% | $122,979+112.3% | $86,983+200.1% |
| Participation rate | 50.0% | 73.0%-23.0pp | 77.2%-27.2pp | 69.5%-19.5pp |
| Annual return | 6.05% | 16.47%-10.4pp | 20.12%-14.1pp | 25.83%-19.8pp |
| Employer contribution / active EE | $1,507 | $2,326-35.2% | $3,062-50.8% | $2,584-41.7% |
| Participant deferral / active EE | $5,176 | $4,133+25.2% | $5,003+3.5% | $4,194+23.4% |
| Admin fee / account holder | $8,442 | $10,148-16.8% | $12,864-34.4% | $7,856+7.5% |