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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 | $350,669 | $88,702+295.3% | $81,780+328.8% | $145,978+140.2% |
| Participation rate | 45.5% | 75.0%-29.6pp | 72.4%-26.9pp | 80.3%-34.8pp |
| Annual return | 7.57% | 1029.12%-1021.5pp | 776.27%-768.7pp | 550.52%-542.9pp |
| Employer contribution / active EE | $1,098 | $3,084-64.4% | $2,914-62.3% | $4,662-76.4% |
| Participant deferral / active EE | $3,549 | $4,645-23.6% | $4,321-17.9% | $6,690-46.9% |
| Admin fee / account holder | $10,000 | $8,414+18.8% | $7,384+35.4% | $13,400-25.4% |