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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 | $388,862 | $165,381+135.1% | $149,730+159.7% | $158,966+144.6% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 5.99% | 348.29%-342.3pp | 276.70%-270.7pp | 302.95%-297.0pp |
| Employer contribution / active EE | $3,413 | $5,104-33.1% | $4,645-26.5% | $4,762-28.3% |
| Participant deferral / active EE | $5,200 | $7,182-27.6% | $6,843-24.0% | $5,983-13.1% |
| Admin fee / account holder | $4,298 | $10,809-60.2% | $9,310-53.8% | $11,250-61.8% |