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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 | $428,425 | $185,312+131.2% | $161,489+165.3% | $154,746+176.9% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 7.82% | 103.84%-96.0pp | 89.72%-81.9pp | 172.34%-164.5pp |
| Employer contribution / active EE | $1,996 | $4,769-58.1% | $4,268-53.2% | $4,379-54.4% |
| Participant deferral / active EE | $7,896 | $6,350+24.4% | $5,630+40.3% | $6,730+17.3% |
| Admin fee / account holder | $2,919 | $18,654-84.4% | $16,006-81.8% | $14,365-79.7% |