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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 | $107,733+141.9% | $92,985+180.3% | $154,746+68.4% |
| Participation rate | 30.0% | 74.6%-44.6pp | 69.5%-39.5pp | 80.7%-50.7pp |
| Annual return | 4.74% | 30.39%-25.7pp | 27.99%-23.2pp | 172.34%-167.6pp |
| Employer contribution / active EE | $1,412 | $3,126-54.8% | $2,662-47.0% | $4,379-67.8% |
| Participant deferral / active EE | $5,207 | $5,053+3.0% | $4,377+19.0% | $6,730-22.6% |
| Admin fee / account holder | $5,215 | $11,369-54.1% | $9,463-44.9% | $14,365-63.7% |