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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 | $304,561 | $36,948+724.3% | $73,658+313.5% | $87,485+248.1% |
| Participation rate | 9.4% | 46.8%-37.4pp | 57.0%-47.7pp | 68.9%-59.6pp |
| Annual return | 2.48% | 28.64%-26.2pp | 29.72%-27.2pp | 26.06%-23.6pp |
| Employer contribution / active EE | $722 | $670+7.8% | $1,032-30.1% | $2,596-72.2% |
| Participant deferral / active EE | $1,969 | $1,379+42.8% | $2,062-4.5% | $4,274-53.9% |
| Admin fee / account holder | $4,300 | $2,531+69.9% | $3,357+28.1% | $7,775-44.7% |