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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 | $464,380 | $157,304+195.2% | $141,197+228.9% | $152,909+203.7% |
| Participation rate | 53.3% | 84.8%-31.5pp | 82.5%-29.1pp | 82.5%-29.1pp |
| Annual return | 6.02% | 64.34%-58.3pp | 71.41%-65.4pp | 345.46%-339.4pp |
| Employer contribution / active EE | $3,650 | $5,263-30.6% | $4,736-22.9% | $4,764-23.4% |
| Participant deferral / active EE | $4,096 | $7,111-42.4% | $6,710-39.0% | $5,851-30.0% |
| Admin fee / account holder | $5,587 | $12,126-53.9% | $10,265-45.6% | $11,601-51.8% |