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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 | $494,068 | $89,259+453.5% | $107,187+360.9% | $82,637+497.9% |
| Participation rate | 33.3% | 67.9%-34.6pp | 75.0%-41.7pp | 68.1%-34.7pp |
| Annual return | 10.65% | 21.02%-10.4pp | 204.55%-193.9pp | 53.51%-42.9pp |
| Employer contribution / active EE | $1,874 | $3,080-39.1% | $3,782-50.4% | $2,552-26.6% |
| Participant deferral / active EE | $4,530 | $4,037+12.2% | $5,096-11.1% | $4,126+9.8% |
| Admin fee / account holder | $3,887 | $7,381-47.3% | $9,162-57.6% | $7,339-47.0% |