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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 | $501,162 | $111,535+349.3% | $105,223+376.3% | $137,256+265.1% |
| Participation rate | 27.3% | 78.1%-50.8pp | 75.0%-47.8pp | 80.0%-52.7pp |
| Annual return | 10.26% | 237.85%-227.6pp | 180.65%-170.4pp | 220.34%-210.1pp |
| Employer contribution / active EE | $1,229 | $3,939-68.8% | $3,689-66.7% | $4,156-70.4% |
| Participant deferral / active EE | $4,025 | $5,500-26.8% | $5,072-20.6% | $6,407-37.2% |
| Admin fee / account holder | $3,477 | $9,721-64.2% | $8,859-60.8% | $12,270-71.7% |