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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 | $530,818 | $112,729+370.9% | $98,716+437.7% | $137,256+286.7% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 6.50% | 38.48%-32.0pp | 31.81%-25.3pp | 220.34%-213.8pp |
| Employer contribution / active EE | $1,538 | $2,725-43.6% | $2,279-32.5% | $4,156-63.0% |
| Participant deferral / active EE | $8,323 | $4,640+79.4% | $4,048+105.6% | $6,407+29.9% |
| Admin fee / account holder | $12,205 | $10,129+20.5% | $8,703+40.2% | $12,270-0.5% |