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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 | $256,797 | $74,535+244.5% | $100,712+155.0% | $82,637+210.8% |
| Participation rate | 48.1% | 61.2%-13.0pp | 69.3%-21.1pp | 68.1%-19.9pp |
| Annual return | 12.16% | 18.92%-6.8pp | 33.27%-21.1pp | 53.51%-41.3pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,647 | $3,074+83.7% | $4,085+38.2% | $4,126+36.9% |
| Admin fee / account holder | $4,492 | $6,576-31.7% | $9,256-51.5% | $7,339-38.8% |