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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 | $521,268 | $172,111+202.9% | $150,298+246.8% | $137,256+279.8% |
| Participation rate | 33.3% | 81.7%-48.4pp | 77.8%-44.4pp | 80.0%-46.6pp |
| Annual return | 10.83% | 69.37%-58.5pp | 62.79%-52.0pp | 220.34%-209.5pp |
| Employer contribution / active EE | $1,300 | $4,636-72.0% | $4,154-68.7% | $4,156-68.7% |
| Participant deferral / active EE | $9,333 | $6,166+51.4% | $5,453+71.2% | $6,407+45.7% |
| Admin fee / account holder | $31,530 | $16,471+91.4% | $14,116+123.4% | $12,270+157.0% |