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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 | $181,062+136.6% | $158,223+170.8% | $155,188+176.1% |
| Participation rate | 50.0% | 82.7%-32.7pp | 79.2%-29.2pp | 80.8%-30.8pp |
| Annual return | 7.82% | 57.39%-49.6pp | 52.09%-44.3pp | 148.84%-141.0pp |
| Employer contribution / active EE | $1,996 | $4,565-56.3% | $4,109-51.4% | $4,248-53.0% |
| Participant deferral / active EE | $7,896 | $6,134+28.7% | $5,467+44.4% | $6,531+20.9% |
| Admin fee / account holder | $2,919 | $18,825-84.5% | $16,047-81.8% | $14,480-79.8% |