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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 | $261,240 | $100,970+158.7% | $96,576+170.5% | $137,256+90.3% |
| Participation rate | 69.2% | 82.6%-13.4pp | 81.4%-12.2pp | 80.0%-10.7pp |
| Annual return | 12.54% | 38.16%-25.6pp | 38.47%-25.9pp | 220.34%-207.8pp |
| Employer contribution / active EE | $1,182 | $3,809-69.0% | $3,553-66.7% | $4,156-71.6% |
| Participant deferral / active EE | $9,551 | $8,286+15.3% | $7,956+20.0% | $6,407+49.1% |
| Admin fee / account holder | $2,841 | $11,312-74.9% | $11,381-75.0% | $12,270-76.8% |