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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 | $326,528 | $92,985+251.2% | $153,432+112.8% | $80,874+303.7% |
| Participation rate | 59.5% | 69.0%-9.4pp | 77.1%-17.6pp | 67.6%-8.1pp |
| Annual return | 10.41% | 19.95%-9.5pp | 15.66%-5.2pp | 35.62%-25.2pp |
| Employer contribution / active EE | $5,468 | $3,507+55.9% | $5,038+8.5% | $2,756+98.4% |
| Participant deferral / active EE | $6,472 | $5,178+25.0% | $6,757-4.2% | $4,297+50.6% |
| Admin fee / account holder | $3,725 | $8,880-58.1% | $12,725-70.7% | $6,935-46.3% |