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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 | $538,273 | $76,407+604.5% | $150,298+258.1% | $82,448+552.9% |
| Participation rate | 28.1% | 66.4%-38.3pp | 77.8%-49.6pp | 68.1%-39.9pp |
| Annual return | 11.52% | 39.99%-28.5pp | 62.79%-51.3pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,567 | $2,614-40.0% | $4,154-62.3% | $2,551-38.6% |
| Participant deferral / active EE | $3,748 | $3,214+16.6% | $5,453-31.3% | $4,139-9.5% |
| Admin fee / account holder | $57,567 | $6,352+806.3% | $14,116+307.8% | $7,234+695.8% |