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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 | $286,371 | $108,825+163.1% | $156,181+83.4% | $82,448+247.3% |
| Participation rate | 48.3% | 72.4%-24.1pp | 78.8%-30.6pp | 68.1%-19.8pp |
| Annual return | 11.79% | 20.59%-8.8pp | 64.87%-53.1pp | 41.64%-29.9pp |
| Employer contribution / active EE | $2,480 | $2,870-13.6% | $4,294-42.3% | $2,551-2.8% |
| Participant deferral / active EE | $4,262 | $4,577-6.9% | $6,132-30.5% | $4,139+3.0% |
| Admin fee / account holder | $48,589 | $9,341+420.2% | $14,586+233.1% | $7,234+571.6% |