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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 | $60,442+349.4% | $96,754+180.7% | $87,485+210.5% |
| Participation rate | 31.0% | 58.7%-27.7pp | 70.3%-39.2pp | 68.9%-37.9pp |
| Annual return | 12.43% | 21.97%-9.5pp | 82.04%-69.6pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,144 | $1,691-32.3% | $2,679-57.3% | $2,596-55.9% |
| Participant deferral / active EE | $3,721 | $3,280+13.5% | $4,758-21.8% | $4,274-12.9% |
| Admin fee / account holder | $11,018 | $5,069+117.4% | $8,905+23.7% | $7,775+41.7% |