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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 | $266,252 | $117,829+126.0% | $102,423+160.0% | $145,877+82.5% |
| Participation rate | 45.0% | 78.6%-33.6pp | 76.5%-31.5pp | 80.3%-35.3pp |
| Annual return | 8.00% | 31.83%-23.8pp | 29.42%-21.4pp | 551.28%-543.3pp |
| Employer contribution / active EE | $2,658 | $3,615-26.5% | $3,023-12.1% | $4,663-43.0% |
| Participant deferral / active EE | $7,267 | $5,732+26.8% | $5,054+43.8% | $6,691+8.6% |
| Admin fee / account holder | $6,797 | $13,335-49.0% | $9,455-28.1% | $13,402-49.3% |