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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 | $333,036 | $172,111+93.5% | $150,298+121.6% | $137,256+142.6% |
| Participation rate | 42.1% | 81.7%-39.6pp | 77.8%-35.7pp | 80.0%-37.9pp |
| Annual return | 10.98% | 69.37%-58.4pp | 62.79%-51.8pp | 220.34%-209.4pp |
| Employer contribution / active EE | $3,183 | $4,636-31.3% | $4,154-23.4% | $4,156-23.4% |
| Participant deferral / active EE | $3,873 | $6,166-37.2% | $5,453-29.0% | $6,407-39.5% |
| Admin fee / account holder | $3,572 | $16,471-78.3% | $14,116-74.7% | $12,270-70.9% |