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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 | $89,259+235.0% | $107,187+178.9% | $82,637+261.8% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 12.16% | 21.02%-8.9pp | 204.55%-192.4pp | 53.51%-41.4pp |
| Employer contribution / active EE | $2,083 | $3,080-32.4% | $3,782-44.9% | $2,552-18.4% |
| Participant deferral / active EE | $4,326 | $4,037+7.1% | $5,096-15.1% | $4,126+4.8% |
| Admin fee / account holder | $3,240 | $7,381-56.1% | $9,162-64.6% | $7,339-55.9% |