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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 | $263,357 | $105,623+149.3% | $87,502+201.0% | $273,972-3.9% |
| Participation rate | 66.7% | 78.2%-11.5pp | 73.8%-7.2pp | 83.0%-16.3pp |
| Annual return | -4.43% | 12.26%-16.7pp | 12.21%-16.6pp | 41.46%-45.9pp |
| Employer contribution / active EE | $2,019 | $3,141-35.7% | $2,550-20.8% | $4,869-58.5% |
| Participant deferral / active EE | $4,502 | $3,601+25.0% | $3,149+43.0% | $5,287-14.9% |
| Admin fee / account holder | $4,254 | $4,781-11.0% | $4,221+0.8% | $10,133-58.0% |