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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 | $124,980+324.7% | $108,359+389.9% | $154,746+243.0% |
| Participation rate | 50.0% | 75.2%-25.2pp | 70.1%-20.1pp | 80.7%-30.7pp |
| Annual return | 6.50% | 45.00%-38.5pp | 36.89%-30.4pp | 172.34%-165.8pp |
| Employer contribution / active EE | $1,538 | $2,851-46.1% | $2,399-35.9% | $4,379-64.9% |
| Participant deferral / active EE | $8,323 | $4,743+75.5% | $4,137+101.2% | $6,730+23.7% |
| Admin fee / account holder | $12,205 | $11,502+6.1% | $9,741+25.3% | $14,365-15.0% |