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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 | $264,119 | $80,992+226.1% | $96,534+173.6% | $75,173+251.3% |
| Participation rate | 38.7% | 71.8%-33.1pp | 76.0%-37.3pp | 67.2%-28.5pp |
| Annual return | 7.95% | 27.05%-19.1pp | 25.88%-17.9pp | 160.72%-152.8pp |
| Employer contribution / active EE | $2,035 | $2,283-10.9% | $2,965-31.4% | $2,671-23.8% |
| Participant deferral / active EE | $2,990 | $3,929-23.9% | $4,851-38.4% | $4,126-27.5% |
| Admin fee / account holder | $1,316 | $6,717-80.4% | $8,253-84.1% | $5,651-76.7% |