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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 | $271,612 | $57,590+371.6% | $86,233+215.0% | $82,448+229.4% |
| Participation rate | 31.0% | 57.9%-26.8pp | 69.0%-38.0pp | 68.1%-37.0pp |
| Annual return | 12.43% | 22.41%-10.0pp | 61.39%-49.0pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,144 | $1,655-30.9% | $2,504-54.3% | $2,551-55.1% |
| Participant deferral / active EE | $3,721 | $3,080+20.8% | $4,559-18.4% | $4,139-10.1% |
| Admin fee / account holder | $11,018 | $4,730+132.9% | $8,342+32.1% | $7,234+52.3% |