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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 | $310,088 | $110,410+180.9% | $102,437+202.7% | $145,897+112.5% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 7.34% | 24.85%-17.5pp | 24.95%-17.6pp | 552.29%-545.0pp |
| Employer contribution / active EE | $1,455 | $4,217-65.5% | $3,871-62.4% | $4,663-68.8% |
| Participant deferral / active EE | $14,634 | $5,622+160.3% | $5,060+189.2% | $6,689+118.8% |
| Admin fee / account holder | $6,401 | $9,745-34.3% | $8,388-23.7% | $13,390-52.2% |