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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 | $283,814 | $106,247+167.1% | $96,515+194.1% | $139,466+103.5% |
| Participation rate | 14.3% | 77.8%-63.6pp | 74.3%-60.1pp | 80.3%-66.0pp |
| Annual return | 5.24% | 38.47%-33.2pp | 35.73%-30.5pp | 373.66%-368.4pp |
| Employer contribution / active EE | $1,443 | $4,106-64.9% | $3,740-61.4% | $4,754-69.6% |
| Participant deferral / active EE | $4,286 | $5,456-21.4% | $4,880-12.2% | $6,712-36.1% |
| Admin fee / account holder | $960 | $7,885-87.8% | $6,735-85.7% | $11,409-91.6% |