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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 | $413,222 | $166,268+148.5% | $165,100+150.3% | $145,897+183.2% |
| Participation rate | 55.6% | 82.0%-26.5pp | 78.6%-23.1pp | 80.3%-24.8pp |
| Annual return | 6.85% | 100.52%-93.7pp | 70.21%-63.4pp | 552.29%-545.4pp |
| Employer contribution / active EE | $2,571 | $5,284-51.3% | $4,348-40.9% | $4,663-44.9% |
| Participant deferral / active EE | $7,642 | $6,964+9.7% | $6,035+26.6% | $6,689+14.2% |
| Admin fee / account holder | $4,143 | $16,659-75.1% | $12,696-67.4% | $13,390-69.1% |