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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 | $36,948+1030.7% | $73,658+467.2% | $87,485+377.6% |
| Participation rate | 7.5% | 46.8%-39.3pp | 57.0%-49.5pp | 68.9%-61.4pp |
| Annual return | 12.43% | 28.64%-16.2pp | 29.72%-17.3pp | 26.06%-13.6pp |
| Employer contribution / active EE | $808 | $670+20.6% | $1,032-21.8% | $2,596-68.9% |
| Participant deferral / active EE | $1,711 | $1,379+24.1% | $2,062-17.0% | $4,274-60.0% |
| Admin fee / account holder | $1,279 | $2,531-49.4% | $3,357-61.9% | $7,775-83.5% |