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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 | $106,749+184.5% | $145,433+108.8% | $82,448+268.4% |
| Participation rate | 30.9% | 75.6%-44.7pp | 82.1%-51.2pp | 68.1%-37.2pp |
| Annual return | 12.90% | 27.59%-14.7pp | 66.58%-53.7pp | 41.64%-28.7pp |
| Employer contribution / active EE | $1,128 | $3,444-67.2% | $4,554-75.2% | $2,551-55.8% |
| Participant deferral / active EE | $3,352 | $6,519-48.6% | $7,897-57.6% | $4,139-19.0% |
| Admin fee / account holder | $5,634 | $8,390-32.8% | $13,129-57.1% | $7,234-22.1% |