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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 | $303,733 | $106,524+185.1% | $152,301+99.4% | $87,485+247.2% |
| Participation rate | 30.9% | 75.8%-44.8pp | 82.4%-51.5pp | 68.9%-38.0pp |
| Annual return | 12.90% | 26.89%-14.0pp | 80.50%-67.6pp | 26.06%-13.2pp |
| Employer contribution / active EE | $1,128 | $3,371-66.5% | $4,624-75.6% | $2,596-56.5% |
| Participant deferral / active EE | $3,352 | $6,525-48.6% | $8,004-58.1% | $4,274-21.6% |
| Admin fee / account holder | $5,634 | $8,287-32.0% | $14,398-60.9% | $7,775-27.5% |