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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 | $368,440 | $162,136+127.2% | $152,301+141.9% | $154,746+138.1% |
| Participation rate | 37.5% | 84.1%-46.6pp | 82.4%-44.9pp | 80.7%-43.2pp |
| Annual return | 11.26% | 91.02%-79.8pp | 80.50%-69.2pp | 172.34%-161.1pp |
| Employer contribution / active EE | $1,055 | $4,890-78.4% | $4,624-77.2% | $4,379-75.9% |
| Participant deferral / active EE | $4,079 | $8,341-51.1% | $8,004-49.0% | $6,730-39.4% |
| Admin fee / account holder | $1,697 | $15,759-89.2% | $14,398-88.2% | $14,365-88.2% |