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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 | $174,379+162.7% | $152,093+201.2% | $138,895+229.8% |
| Participation rate | 37.5% | 81.6%-44.1pp | 77.8%-40.3pp | 79.9%-42.4pp |
| Annual return | 10.91% | 74.86%-63.9pp | 66.36%-55.4pp | 145.39%-134.5pp |
| Employer contribution / active EE | $2,531 | $4,652-45.6% | $4,175-39.4% | $4,194-39.6% |
| Participant deferral / active EE | $8,985 | $6,159+45.9% | $5,451+64.8% | $6,396+40.5% |
| Admin fee / account holder | $8,011 | $16,880-52.5% | $14,497-44.7% | $12,562-36.2% |