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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 | $298,992 | $93,345+220.3% | $119,126+151.0% | $87,485+241.8% |
| Participation rate | 50.0% | 68.7%-18.7pp | 75.8%-25.8pp | 68.9%-18.9pp |
| Annual return | 12.16% | 19.08%-6.9pp | 282.11%-270.0pp | 26.06%-13.9pp |
| Employer contribution / active EE | $2,083 | $3,172-34.3% | $4,034-48.3% | $2,596-19.8% |
| Participant deferral / active EE | $4,326 | $4,099+5.5% | $5,318-18.7% | $4,274+1.2% |
| Admin fee / account holder | $3,240 | $8,039-59.7% | $10,693-69.7% | $7,775-58.3% |