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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 | $325,030 | $117,895+175.7% | $102,460+217.2% | $145,897+122.8% |
| Participation rate | 25.0% | 78.6%-53.6pp | 76.5%-51.5pp | 80.3%-55.3pp |
| Annual return | 8.45% | 31.92%-23.5pp | 29.47%-21.0pp | 552.29%-543.8pp |
| Employer contribution / active EE | $1,936 | $3,619-46.5% | $3,025-36.0% | $4,663-58.5% |
| Participant deferral / active EE | $7,110 | $5,736+23.9% | $5,056+40.6% | $6,689+6.3% |
| Admin fee / account holder | $1,720 | $13,353-87.1% | $9,460-81.8% | $13,390-87.2% |