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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 | $433,809 | $201,372+115.4% | $184,260+135.4% | $145,884+197.4% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 9.39% | 29.04%-19.6pp | 28.84%-19.4pp | 551.85%-542.5pp |
| Employer contribution / active EE | $13,904 | $7,024+98.0% | $6,427+116.3% | $4,662+198.2% |
| Participant deferral / active EE | $16,534 | $9,808+68.6% | $9,133+81.0% | $6,690+147.2% |
| Admin fee / account holder | $8,479 | $16,362-48.2% | $13,898-39.0% | $13,392-36.7% |