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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 | $316,466 | $114,119+177.3% | $107,187+195.2% | $138,895+127.8% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 79.9%-29.9pp |
| Annual return | 9.09% | 273.21%-264.1pp | 204.55%-195.5pp | 145.39%-136.3pp |
| Employer contribution / active EE | $1,321 | $4,059-67.5% | $3,782-65.1% | $4,194-68.5% |
| Participant deferral / active EE | $15,698 | $5,538+183.5% | $5,096+208.0% | $6,396+145.4% |
| Admin fee / account holder | $1,485 | $10,024-85.2% | $9,162-83.8% | $12,562-88.2% |