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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 | $156,398+135.6% | $147,318+150.1% | $138,895+165.3% |
| Participation rate | 37.5% | 83.8%-46.3pp | 82.1%-44.6pp | 79.9%-42.4pp |
| Annual return | 11.26% | 78.75%-67.5pp | 70.43%-59.2pp | 145.39%-134.1pp |
| Employer contribution / active EE | $1,055 | $4,853-78.3% | $4,593-77.0% | $4,194-74.8% |
| Participant deferral / active EE | $4,079 | $8,237-50.5% | $7,906-48.4% | $6,396-36.2% |
| Admin fee / account holder | $1,697 | $14,976-88.7% | $13,708-87.6% | $12,562-86.5% |