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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 | $282,162 | $100,970+179.5% | $96,576+192.2% | $137,256+105.6% |
| Participation rate | 60.0% | 82.6%-22.6pp | 81.4%-21.4pp | 80.0%-20.0pp |
| Annual return | 11.91% | 38.16%-26.3pp | 38.47%-26.6pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,409 | $3,809-63.0% | $3,553-60.4% | $4,156-66.1% |
| Participant deferral / active EE | $6,802 | $8,286-17.9% | $7,956-14.5% | $6,407+6.2% |
| Admin fee / account holder | $6,089 | $11,312-46.2% | $11,381-46.5% | $12,270-50.4% |