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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 | $436,120 | $183,592+137.5% | $155,574+180.3% | $145,877+199.0% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 8.42% | 61.37%-53.0pp | 64.87%-56.4pp | 551.28%-542.9pp |
| Employer contribution / active EE | $21,452 | $5,317+303.5% | $4,676+358.8% | $4,663+360.0% |
| Participant deferral / active EE | $13,392 | $6,466+107.1% | $5,629+137.9% | $6,691+100.2% |
| Admin fee / account holder | $3,137 | $19,316-83.8% | $15,914-80.3% | $13,402-76.6% |