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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 | $524,233 | $112,729+365.0% | $98,716+431.1% | $137,256+281.9% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 2.77% | 38.48%-35.7pp | 31.81%-29.0pp | 220.34%-217.6pp |
| Employer contribution / active EE | $679 | $2,725-75.1% | $2,279-70.2% | $4,156-83.7% |
| Participant deferral / active EE | $6,435 | $4,640+38.7% | $4,048+59.0% | $6,407+0.4% |
| Admin fee / account holder | $1,814 | $10,129-82.1% | $8,703-79.2% | $12,270-85.2% |