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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 | $93,055+250.9% | $153,643+112.5% | $80,935+303.4% |
| Participation rate | 59.5% | 69.0%-9.5pp | 77.1%-17.6pp | 67.7%-8.1pp |
| Annual return | 10.41% | 19.97%-9.6pp | 15.71%-5.3pp | 35.66%-25.2pp |
| Employer contribution / active EE | $5,468 | $3,504+56.1% | $5,039+8.5% | $2,757+98.3% |
| Participant deferral / active EE | $6,472 | $5,172+25.1% | $6,754-4.2% | $4,299+50.5% |
| Admin fee / account holder | $3,725 | $8,881-58.1% | $12,739-70.8% | $6,924-46.2% |