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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 | $403,059 | $117,895+241.9% | $102,460+293.4% | $145,897+176.3% |
| Participation rate | 57.1% | 78.6%-21.5pp | 76.5%-19.4pp | 80.3%-23.2pp |
| Annual return | 3.37% | 31.92%-28.5pp | 29.47%-26.1pp | 552.29%-548.9pp |
| Employer contribution / active EE | $3,155 | $3,619-12.8% | $3,025+4.3% | $4,663-32.3% |
| Participant deferral / active EE | $9,453 | $5,736+64.8% | $5,056+87.0% | $6,689+41.3% |
| Admin fee / account holder | $1,413 | $13,353-89.4% | $9,460-85.1% | $13,390-89.4% |