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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 | $330,335 | $56,110+488.7% | $94,993+247.7% | $70,124+371.1% |
| Participation rate | 21.4% | 65.0%-43.6pp | 73.9%-52.5pp | 69.5%-48.1pp |
| Annual return | 11.01% | 51.02%-40.0pp | 27.14%-16.1pp | 73.14%-62.1pp |
| Employer contribution / active EE | $313 | $1,442-78.3% | $2,603-88.0% | $2,342-86.6% |
| Participant deferral / active EE | $1,303 | $2,391-45.5% | $3,317-60.7% | $3,332-60.9% |
| Admin fee / account holder | $3,397 | $3,456-1.7% | $4,960-31.5% | $4,645-26.9% |