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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 | $448,083 | $100,139+347.5% | $85,187+426.0% | $145,884+207.2% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 7.25% | 84.15%-76.9pp | 66.67%-59.4pp | 551.85%-544.6pp |
| Employer contribution / active EE | $1,109 | $3,238-65.7% | $2,732-59.4% | $4,662-76.2% |
| Participant deferral / active EE | $8,333 | $5,296+57.4% | $4,525+84.2% | $6,690+24.6% |
| Admin fee / account holder | $902 | $7,262-87.6% | $6,162-85.4% | $13,392-93.3% |