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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 | $372,480 | $96,388+286.4% | $80,627+362.0% | $139,466+167.1% |
| Participation rate | 26.1% | 73.6%-47.6pp | 67.0%-40.9pp | 80.3%-54.2pp |
| Annual return | 6.29% | 1352.08%-1345.8pp | 936.76%-930.5pp | 373.66%-367.4pp |
| Employer contribution / active EE | $1,465 | $3,260-55.0% | $2,723-46.2% | $4,754-69.2% |
| Participant deferral / active EE | $5,676 | $5,224+8.6% | $4,443+27.8% | $6,712-15.4% |
| Admin fee / account holder | $6,610 | $6,603+0.1% | $5,381+22.9% | $11,409-42.1% |