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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 | $315,716 | $115,911+172.4% | $100,530+214.0% | $158,950+98.6% |
| Participation rate | 60.0% | 81.6%-21.6pp | 79.4%-19.4pp | 82.0%-22.0pp |
| Annual return | 3.36% | 34.80%-31.4pp | 30.89%-27.5pp | 302.91%-299.6pp |
| Employer contribution / active EE | $1,107 | $4,104-73.0% | $3,418-67.6% | $4,762-76.8% |
| Participant deferral / active EE | $10,530 | $6,676+57.7% | $6,271+67.9% | $5,983+76.0% |
| Admin fee / account holder | $3,422 | $10,999-68.9% | $8,083-57.7% | $11,248-69.6% |