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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 | $334,096 | $162,136+106.1% | $152,301+119.4% | $154,746+115.9% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 5.41% | 91.02%-85.6pp | 80.50%-75.1pp | 172.34%-166.9pp |
| Employer contribution / active EE | $1,404 | $4,890-71.3% | $4,624-69.6% | $4,379-67.9% |
| Participant deferral / active EE | $8,599 | $8,341+3.1% | $8,004+7.4% | $6,730+27.8% |
| Admin fee / account holder | $13,641 | $15,759-13.4% | $14,398-5.3% | $14,365-5.0% |