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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 | $415,692 | $115,225+260.8% | $100,712+312.8% | $138,895+199.3% |
| Participation rate | 62.5% | 74.3%-11.8pp | 69.3%-6.8pp | 79.9%-17.4pp |
| Annual return | 8.93% | 40.35%-31.4pp | 33.27%-24.3pp | 145.39%-136.5pp |
| Employer contribution / active EE | $1,529 | $2,771-44.8% | $2,313-33.9% | $4,194-63.5% |
| Participant deferral / active EE | $8,409 | $4,699+78.9% | $4,085+105.8% | $6,396+31.5% |
| Admin fee / account holder | $19,218 | $10,844+77.2% | $9,256+107.6% | $12,562+53.0% |