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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 | $357,939 | $124,425+187.7% | $112,040+219.5% | $137,256+160.8% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.5%-26.5pp | 80.0%-30.0pp |
| Annual return | 9.06% | 24.72%-15.7pp | 24.52%-15.5pp | 220.34%-211.3pp |
| Employer contribution / active EE | $6,940 | $3,411+103.4% | $2,954+134.9% | $4,156+67.0% |
| Participant deferral / active EE | $24,202 | $5,718+323.2% | $5,098+374.8% | $6,407+277.7% |
| Admin fee / account holder | $105,554 | $15,207+594.1% | $12,098+772.5% | $12,270+760.2% |