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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 | $431,118 | $112,935+281.7% | $90,970+373.9% | $158,966+171.2% |
| Participation rate | 60.0% | 74.7%-14.7pp | 69.0%-9.0pp | 82.0%-22.0pp |
| Annual return | 4.12% | 215.79%-211.7pp | 134.58%-130.5pp | 302.95%-298.8pp |
| Employer contribution / active EE | $1,672 | $2,895-42.2% | $2,122-21.2% | $4,762-64.9% |
| Participant deferral / active EE | $9,000 | $4,129+118.0% | $3,373+166.8% | $5,983+50.4% |
| Admin fee / account holder | $5,557 | $8,045-30.9% | $5,960-6.8% | $11,250-50.6% |