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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 | $521,092 | $183,516+183.9% | $155,534+235.0% | $145,884+257.2% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 8.53% | 61.43%-52.9pp | 64.92%-56.4pp | 551.85%-543.3pp |
| Employer contribution / active EE | $1,780 | $5,315-66.5% | $4,675-61.9% | $4,662-61.8% |
| Participant deferral / active EE | $2,517 | $6,467-61.1% | $5,630-55.3% | $6,690-62.4% |
| Admin fee / account holder | $15,000 | $19,293-22.3% | $15,900-5.7% | $13,392+12.0% |