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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 | $329,789 | $107,809+205.9% | $97,032+239.9% | $155,188+112.5% |
| Participation rate | 45.5% | 75.5%-30.0pp | 71.6%-26.1pp | 80.8%-35.3pp |
| Annual return | 2.63% | 38.06%-35.4pp | 35.38%-32.7pp | 148.84%-146.2pp |
| Employer contribution / active EE | $1,245 | $2,911-57.2% | $2,629-52.6% | $4,248-70.7% |
| Participant deferral / active EE | $1,091 | $5,129-78.7% | $4,672-76.7% | $6,531-83.3% |
| Admin fee / account holder | $69,105 | $10,717+544.8% | $9,418+633.8% | $14,480+377.3% |