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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 | $261,746 | $136,307+92.0% | $106,619+145.5% | $273,972-4.5% |
| Participation rate | 60.0% | 84.8%-24.8pp | 78.0%-18.0pp | 83.0%-23.0pp |
| Annual return | -8.14% | 11.05%-19.2pp | 9.42%-17.6pp | 41.46%-49.6pp |
| Employer contribution / active EE | $1,359 | $5,190-73.8% | $3,947-65.6% | $4,869-72.1% |
| Participant deferral / active EE | $2,652 | $4,969-46.6% | $3,930-32.5% | $5,287-49.8% |
| Admin fee / account holder | $25,432 | $8,625+194.9% | $6,418+296.2% | $10,133+151.0% |