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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 | $400,816 | $126,661+216.4% | $113,397+253.5% | $138,895+188.6% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.5%-26.5pp | 79.9%-29.9pp |
| Annual return | 3.57% | 25.05%-21.5pp | 23.20%-19.6pp | 145.39%-141.8pp |
| Employer contribution / active EE | $1,275 | $3,456-63.1% | $2,977-57.2% | $4,194-69.6% |
| Participant deferral / active EE | $5,831 | $5,693+2.4% | $5,076+14.9% | $6,396-8.8% |
| Admin fee / account holder | $2,865 | $14,549-80.3% | $11,957-76.0% | $12,562-77.2% |