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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 | $387,500 | $154,228+151.3% | $145,433+166.4% | $137,256+182.3% |
| Participation rate | 62.5% | 83.8%-21.3pp | 82.1%-19.6pp | 80.0%-17.5pp |
| Annual return | 12.07% | 74.59%-62.5pp | 66.58%-54.5pp | 220.34%-208.3pp |
| Employer contribution / active EE | $2,829 | $4,804-41.1% | $4,554-37.9% | $4,156-31.9% |
| Participant deferral / active EE | $8,315 | $8,216+1.2% | $7,897+5.3% | $6,407+29.8% |
| Admin fee / account holder | $3,440 | $14,344-76.0% | $13,129-73.8% | $12,270-72.0% |