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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 | $414,356 | $154,228+168.7% | $145,433+184.9% | $137,256+201.9% |
| Participation rate | 44.4% | 83.8%-39.3pp | 82.1%-37.7pp | 80.0%-35.5pp |
| Annual return | 12.32% | 74.59%-62.3pp | 66.58%-54.3pp | 220.34%-208.0pp |
| Employer contribution / active EE | $5,555 | $4,804+15.6% | $4,554+22.0% | $4,156+33.7% |
| Participant deferral / active EE | $12,318 | $8,216+49.9% | $7,897+56.0% | $6,407+92.3% |
| Admin fee / account holder | $11,901 | $14,344-17.0% | $13,129-9.4% | $12,270-3.0% |