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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 | $256,142 | $172,111+48.8% | $150,298+70.4% | $137,256+86.6% |
| Participation rate | 36.4% | 81.7%-45.4pp | 77.8%-41.4pp | 80.0%-43.6pp |
| Annual return | 6.06% | 69.37%-63.3pp | 62.79%-56.7pp | 220.34%-214.3pp |
| Employer contribution / active EE | $1,104 | $4,636-76.2% | $4,154-73.4% | $4,156-73.4% |
| Participant deferral / active EE | $3,094 | $6,166-49.8% | $5,453-43.3% | $6,407-51.7% |
| Admin fee / account holder | $5,498 | $16,471-66.6% | $14,116-61.1% | $12,270-55.2% |