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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 | $478,218 | $185,312+158.1% | $161,489+196.1% | $154,746+209.0% |
| Participation rate | 33.3% | 82.5%-49.1pp | 78.7%-45.4pp | 80.7%-47.4pp |
| Annual return | 8.53% | 103.84%-95.3pp | 89.72%-81.2pp | 172.34%-163.8pp |
| Employer contribution / active EE | $3,165 | $4,769-33.6% | $4,268-25.8% | $4,379-27.7% |
| Participant deferral / active EE | $6,451 | $6,350+1.6% | $5,630+14.6% | $6,730-4.1% |
| Admin fee / account holder | $6,777 | $18,654-63.7% | $16,006-57.7% | $14,365-52.8% |