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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 | $97,550+167.6% | $120,344+116.9% | $87,485+198.4% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.7%-26.7pp | 68.9%-18.9pp |
| Annual return | 6.05% | 18.41%-12.4pp | 20.30%-14.2pp | 26.06%-20.0pp |
| Employer contribution / active EE | $1,507 | $2,291-34.2% | $3,020-50.1% | $2,596-41.9% |
| Participant deferral / active EE | $5,176 | $4,230+22.4% | $5,135+0.8% | $4,274+21.1% |
| Admin fee / account holder | $8,442 | $9,543-11.5% | $12,742-33.7% | $7,775+8.6% |