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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 | $293,774 | $108,825+170.0% | $156,181+88.1% | $82,448+256.3% |
| Participation rate | 50.0% | 72.4%-22.4pp | 78.8%-28.8pp | 68.1%-18.1pp |
| Annual return | 10.27% | 20.59%-10.3pp | 64.87%-54.6pp | 41.64%-31.4pp |
| Employer contribution / active EE | $2,754 | $2,870-4.0% | $4,294-35.9% | $2,551+8.0% |
| Participant deferral / active EE | $3,682 | $4,577-19.6% | $6,132-40.0% | $4,139-11.1% |
| Admin fee / account holder | $1,455 | $9,341-84.4% | $14,586-90.0% | $7,234-79.9% |