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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 | $458,061 | $172,111+166.1% | $150,298+204.8% | $137,256+233.7% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 10.91% | 69.37%-58.5pp | 62.79%-51.9pp | 220.34%-209.4pp |
| Employer contribution / active EE | $2,531 | $4,636-45.4% | $4,154-39.1% | $4,156-39.1% |
| Participant deferral / active EE | $8,985 | $6,166+45.7% | $5,453+64.8% | $6,407+40.2% |
| Admin fee / account holder | $8,011 | $16,471-51.4% | $14,116-43.3% | $12,270-34.7% |