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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 | $385,312 | $103,387+272.7% | $87,102+342.4% | $152,885+152.0% |
| Participation rate | 37.5% | 79.4%-41.9pp | 76.9%-39.4pp | 82.5%-45.0pp |
| Annual return | 2.48% | 28.10%-25.6pp | 28.19%-25.7pp | 345.39%-342.9pp |
| Employer contribution / active EE | $3,584 | $3,221+11.3% | $2,521+42.1% | $4,763-24.8% |
| Participant deferral / active EE | $11,063 | $4,778+131.5% | $4,048+173.3% | $5,851+89.1% |
| Admin fee / account holder | $57,910 | $12,193+374.9% | $7,491+673.1% | $11,598+399.3% |