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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 | $255,469 | $96,731+164.1% | $123,973+106.1% | $86,983+193.7% |
| Participation rate | 60.0% | 70.0%-10.0pp | 76.7%-16.7pp | 69.5%-9.5pp |
| Annual return | 10.80% | 17.33%-6.5pp | 388.13%-377.3pp | 25.83%-15.0pp |
| Employer contribution / active EE | $2,486 | $3,297-24.6% | $4,126-39.7% | $2,584-3.8% |
| Participant deferral / active EE | $4,451 | $4,152+7.2% | $5,247-15.2% | $4,194+6.1% |
| Admin fee / account holder | $7,386 | $8,722-15.3% | $11,799-37.4% | $7,856-6.0% |