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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 | $107,421+182.8% | $182,262+66.6% | $94,015+223.1% |
| Participation rate | 30.9% | 77.8%-46.9pp | 84.2%-53.3pp | 70.8%-39.9pp |
| Annual return | 12.90% | 21.32%-8.4pp | 140.60%-127.7pp | 17.84%-4.9pp |
| Employer contribution / active EE | $1,128 | $3,448-67.3% | $5,046-77.6% | $2,790-59.6% |
| Participant deferral / active EE | $3,352 | $6,558-48.9% | $8,276-59.5% | $4,249-21.1% |
| Admin fee / account holder | $5,634 | $8,692-35.2% | $16,712-66.3% | $8,951-37.1% |