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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 | $263,948 | $201,372+31.1% | $184,260+43.2% | $145,884+80.9% |
| Participation rate | 33.3% | 87.5%-54.2pp | 86.8%-53.5pp | 80.3%-47.0pp |
| Annual return | 8.98% | 29.04%-20.1pp | 28.84%-19.9pp | 551.85%-542.9pp |
| Employer contribution / active EE | $1,800 | $7,024-74.4% | $6,427-72.0% | $4,662-61.4% |
| Participant deferral / active EE | $10,167 | $9,808+3.7% | $9,133+11.3% | $6,690+52.0% |
| Admin fee / account holder | $1,119 | $16,362-93.2% | $13,898-91.9% | $13,392-91.6% |