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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 | $414,460 | $172,111+140.8% | $150,298+175.8% | $137,256+202.0% |
| Participation rate | 57.1% | 81.7%-24.6pp | 77.8%-20.6pp | 80.0%-22.8pp |
| Annual return | 7.96% | 69.37%-61.4pp | 62.79%-54.8pp | 220.34%-212.4pp |
| Employer contribution / active EE | $14,053 | $4,636+203.1% | $4,154+238.3% | $4,156+238.1% |
| Participant deferral / active EE | $8,857 | $6,166+43.7% | $5,453+62.4% | $6,407+38.2% |
| Admin fee / account holder | $3,785 | $16,471-77.0% | $14,116-73.2% | $12,270-69.2% |