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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 | $263,884 | $112,729+134.1% | $98,716+167.3% | $137,256+92.3% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.3%-36.0pp | 80.0%-46.6pp |
| Annual return | 8.85% | 38.48%-29.6pp | 31.81%-23.0pp | 220.34%-211.5pp |
| Employer contribution / active EE | $1,162 | $2,725-57.4% | $2,279-49.0% | $4,156-72.0% |
| Participant deferral / active EE | $1,642 | $4,640-64.6% | $4,048-59.4% | $6,407-74.4% |
| Admin fee / account holder | $843 | $10,129-91.7% | $8,703-90.3% | $12,270-93.1% |