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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 | $430,678 | $156,398+175.4% | $147,318+192.3% | $138,895+210.1% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 79.9%-29.9pp |
| Annual return | 11.68% | 78.75%-67.1pp | 70.43%-58.7pp | 145.39%-133.7pp |
| Employer contribution / active EE | $1,330 | $4,853-72.6% | $4,593-71.1% | $4,194-68.3% |
| Participant deferral / active EE | $3,144 | $8,237-61.8% | $7,906-60.2% | $6,396-50.9% |
| Admin fee / account holder | $3,207 | $14,976-78.6% | $13,708-76.6% | $12,562-74.5% |