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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 | $356,141 | $148,582+139.7% | $135,942+162.0% | $139,456+155.4% |
| Participation rate | 28.6% | 83.9%-55.3pp | 81.9%-53.3pp | 80.3%-51.8pp |
| Annual return | 8.26% | 79.26%-71.0pp | 68.28%-60.0pp | 373.45%-365.2pp |
| Employer contribution / active EE | $2,025 | $5,245-61.4% | $4,858-58.3% | $4,753-57.4% |
| Participant deferral / active EE | $6,429 | $8,101-20.6% | $7,759-17.1% | $6,711-4.2% |
| Admin fee / account holder | $3,024 | $12,402-75.6% | $10,764-71.9% | $11,407-73.5% |