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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 | $359,864 | $172,111+109.1% | $150,298+139.4% | $137,256+162.2% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 10.87% | 69.37%-58.5pp | 62.79%-51.9pp | 220.34%-209.5pp |
| Employer contribution / active EE | $2,759 | $4,636-40.5% | $4,154-33.6% | $4,156-33.6% |
| Participant deferral / active EE | $7,386 | $6,166+19.8% | $5,453+35.5% | $6,407+15.3% |
| Admin fee / account holder | $24,787 | $16,471+50.5% | $14,116+75.6% | $12,270+102.0% |