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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 | $417,646 | $209,336+99.5% | $197,124+111.9% | $137,256+204.3% |
| Participation rate | 57.1% | 87.3%-30.2pp | 86.7%-29.6pp | 80.0%-22.8pp |
| Annual return | 11.46% | 48.09%-36.6pp | 44.34%-32.9pp | 220.34%-208.9pp |
| Employer contribution / active EE | $1,467 | $6,591-77.7% | $6,227-76.4% | $4,156-64.7% |
| Participant deferral / active EE | $6,231 | $9,614-35.2% | $9,135-31.8% | $6,407-2.7% |
| Admin fee / account holder | $44,090 | $17,308+154.7% | $16,298+170.5% | $12,270+259.3% |