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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 | $293,112 | $141,004+107.9% | $112,273+161.1% | $139,466+110.2% |
| Participation rate | 40.0% | 79.2%-39.2pp | 72.4%-32.4pp | 80.3%-40.3pp |
| Annual return | 5.72% | 32.75%-27.0pp | 30.23%-24.5pp | 373.66%-367.9pp |
| Employer contribution / active EE | $1,686 | $4,285-60.7% | $3,431-50.9% | $4,754-64.5% |
| Participant deferral / active EE | $12,000 | $5,878+104.2% | $4,800+150.0% | $6,712+78.8% |
| Admin fee / account holder | $657 | $9,959-93.4% | $7,752-91.5% | $11,409-94.2% |