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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 | $313,123 | $115,814+170.4% | $101,275+209.2% | $158,982+97.0% |
| Participation rate | 58.3% | 79.4%-21.0pp | 75.8%-17.5pp | 82.0%-23.6pp |
| Annual return | 6.65% | 56.16%-49.5pp | 46.48%-39.8pp | 302.99%-296.3pp |
| Employer contribution / active EE | $1,704 | $4,176-59.2% | $3,660-53.5% | $4,763-64.2% |
| Participant deferral / active EE | $2,993 | $4,958-39.6% | $4,371-31.5% | $5,983-50.0% |
| Admin fee / account holder | $12,838 | $7,249+77.1% | $5,948+115.8% | $11,252+14.1% |