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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 | $272,169 | $86,919+213.1% | $102,457+165.6% | $80,911+236.4% |
| Participation rate | 38.7% | 72.4%-33.7pp | 76.5%-37.8pp | 67.6%-28.9pp |
| Annual return | 7.31% | 18.90%-11.6pp | 29.41%-22.1pp | 35.63%-28.3pp |
| Employer contribution / active EE | $1,108 | $2,368-53.2% | $3,022-63.3% | $2,756-59.8% |
| Participant deferral / active EE | $3,071 | $4,119-25.4% | $5,054-39.2% | $4,297-28.5% |
| Admin fee / account holder | $2,351 | $8,049-70.8% | $9,451-75.1% | $6,935-66.1% |