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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 | $112,729+268.8% | $98,716+321.1% | $137,256+202.9% |
| Participation rate | 62.5% | 74.2%-11.7pp | 69.3%-6.8pp | 80.0%-17.5pp |
| Annual return | 8.93% | 38.48%-29.5pp | 31.81%-22.9pp | 220.34%-211.4pp |
| Employer contribution / active EE | $1,529 | $2,725-43.9% | $2,279-32.9% | $4,156-63.2% |
| Participant deferral / active EE | $8,409 | $4,640+81.2% | $4,048+107.7% | $6,407+31.2% |
| Admin fee / account holder | $19,218 | $10,129+89.7% | $8,703+120.8% | $12,270+56.6% |