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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 | $417,788 | $29,319+1325.0% | $52,425+696.9% | $82,448+406.7% |
| Participation rate | 7.5% | 46.9%-39.4pp | 55.6%-48.1pp | 68.1%-60.6pp |
| Annual return | 12.43% | 535.20%-522.8pp | 302.12%-289.7pp | 41.64%-29.2pp |
| Employer contribution / active EE | $808 | $586+37.7% | $914-11.6% | $2,551-68.3% |
| Participant deferral / active EE | $1,711 | $1,171+46.1% | $1,790-4.4% | $4,139-58.7% |
| Admin fee / account holder | $1,279 | $1,962-34.8% | $2,495-48.7% | $7,234-82.3% |