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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 | $300,494 | $112,729+166.6% | $98,716+204.4% | $137,256+118.9% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 9.02% | 38.48%-29.5pp | 31.81%-22.8pp | 220.34%-211.3pp |
| Employer contribution / active EE | $2,477 | $2,725-9.1% | $2,279+8.7% | $4,156-40.4% |
| Participant deferral / active EE | $8,106 | $4,640+74.7% | $4,048+100.3% | $6,407+26.5% |
| Admin fee / account holder | $1,426 | $10,129-85.9% | $8,703-83.6% | $12,270-88.4% |