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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 | $398,411 | $172,111+131.5% | $150,298+165.1% | $137,256+190.3% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | 11.28% | 69.37%-58.1pp | 62.79%-51.5pp | 220.34%-209.1pp |
| Employer contribution / active EE | $1,064 | $4,636-77.1% | $4,154-74.4% | $4,156-74.4% |
| Participant deferral / active EE | $6,181 | $6,166+0.3% | $5,453+13.4% | $6,407-3.5% |
| Admin fee / account holder | $716 | $16,471-95.7% | $14,116-94.9% | $12,270-94.2% |