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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 | $126,661+182.6% | $113,397+215.7% | $138,895+157.7% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.5%-26.5pp | 79.9%-29.9pp |
| Annual return | 9.06% | 25.05%-16.0pp | 23.20%-14.1pp | 145.39%-136.3pp |
| Employer contribution / active EE | $6,940 | $3,456+100.8% | $2,977+133.1% | $4,194+65.5% |
| Participant deferral / active EE | $24,202 | $5,693+325.1% | $5,076+376.7% | $6,396+278.4% |
| Admin fee / account holder | $105,554 | $14,549+625.5% | $11,957+782.8% | $12,562+740.3% |