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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 | $181,062+164.1% | $158,223+202.2% | $155,188+208.2% |
| Participation rate | 33.3% | 82.7%-49.3pp | 79.2%-45.9pp | 80.8%-47.5pp |
| Annual return | 8.53% | 57.39%-48.9pp | 52.09%-43.6pp | 148.84%-140.3pp |
| Employer contribution / active EE | $3,165 | $4,565-30.7% | $4,109-23.0% | $4,248-25.5% |
| Participant deferral / active EE | $6,451 | $6,134+5.2% | $5,467+18.0% | $6,531-1.2% |
| Admin fee / account holder | $6,777 | $18,825-64.0% | $16,047-57.8% | $14,480-53.2% |