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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 | $407,996 | $118,496+244.3% | $98,461+314.4% | $139,466+192.5% |
| Participation rate | 55.6% | 77.5%-21.9pp | 75.2%-19.6pp | 80.3%-24.8pp |
| Annual return | 7.25% | 18.96%-11.7pp | 21.17%-13.9pp | 373.66%-366.4pp |
| Employer contribution / active EE | $2,965 | $3,611-17.9% | $3,049-2.7% | $4,754-37.6% |
| Participant deferral / active EE | $8,263 | $5,393+53.2% | $4,738+74.4% | $6,712+23.1% |
| Admin fee / account holder | $3,932 | $14,056-72.0% | $8,961-56.1% | $11,409-65.5% |