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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 | $258,107 | $59,819+331.5% | $79,583+224.3% | $68,490+276.9% |
| Participation rate | 46.2% | 61.1%-14.9pp | 69.5%-23.3pp | 67.9%-21.7pp |
| Annual return | -22.16% | -12.30%-9.9pp | 0.16%-22.3pp | -7.85%-14.3pp |
| Employer contribution / active EE | $1,594 | $1,505+5.9% | $2,414-34.0% | $2,597-38.6% |
| Participant deferral / active EE | $2,742 | $3,025-9.4% | $3,986-31.2% | $4,028-31.9% |
| Admin fee / account holder | $5,406 | $4,835+11.8% | $6,835-20.9% | $5,4030% |