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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 | $361,780 | $156,398+131.3% | $147,318+145.6% | $138,895+160.5% |
| Participation rate | 40.0% | 83.8%-43.8pp | 82.1%-42.1pp | 79.9%-39.9pp |
| Annual return | 11.93% | 78.75%-66.8pp | 70.43%-58.5pp | 145.39%-133.5pp |
| Employer contribution / active EE | $2,574 | $4,853-47.0% | $4,593-43.9% | $4,194-38.6% |
| Participant deferral / active EE | $4,899 | $8,237-40.5% | $7,906-38.0% | $6,396-23.4% |
| Admin fee / account holder | $2,178 | $14,976-85.5% | $13,708-84.1% | $12,562-82.7% |