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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 | $302,821 | $78,705+284.8% | $117,857+156.9% | $70,131+331.8% |
| Participation rate | 31.0% | 73.2%-42.2pp | 79.7%-48.7pp | 69.5%-38.6pp |
| Annual return | 9.99% | 23.30%-13.3pp | 335.09%-325.1pp | 73.14%-63.1pp |
| Employer contribution / active EE | $656 | $2,223-70.5% | $3,786-82.7% | $2,342-72.0% |
| Participant deferral / active EE | $3,657 | $3,297+10.9% | $4,482-18.4% | $3,332+9.8% |
| Admin fee / account holder | $580 | $5,065-88.6% | $8,020-92.8% | $4,645-87.5% |