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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 | $414,358 | $87,132+375.6% | $105,624+292.3% | $80,959+411.8% |
| Participation rate | 8.3% | 70.4%-62.1pp | 75.3%-66.9pp | 67.7%-59.3pp |
| Annual return | 9.67% | 17.03%-7.4pp | 116.20%-106.5pp | 35.67%-26.0pp |
| Employer contribution / active EE | $1,225 | $2,397-48.9% | $3,168-61.3% | $2,757-55.6% |
| Participant deferral / active EE | $1,802 | $3,985-54.8% | $5,013-64.0% | $4,300-58.1% |
| Admin fee / account holder | $646 | $8,449-92.4% | $10,961-94.1% | $6,925-90.7% |