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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 | $260,602 | $87,166+199.0% | $76,735+239.6% | $137,256+89.9% |
| Participation rate | 30.0% | 74.4%-44.4pp | 69.5%-39.5pp | 80.0%-50.0pp |
| Annual return | 4.74% | 26.50%-21.8pp | 29.77%-25.0pp | 220.34%-215.6pp |
| Employer contribution / active EE | $1,412 | $2,904-51.4% | $2,454-42.5% | $4,156-66.0% |
| Participant deferral / active EE | $5,207 | $4,726+10.2% | $4,088+27.4% | $6,407-18.7% |
| Admin fee / account holder | $5,215 | $8,403-37.9% | $7,189-27.5% | $12,270-57.5% |