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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 | $399,086 | $174,379+128.9% | $152,093+162.4% | $138,895+187.3% |
| Participation rate | 28.6% | 81.6%-53.1pp | 77.8%-49.2pp | 79.9%-51.3pp |
| Annual return | 8.80% | 74.86%-66.1pp | 66.36%-57.6pp | 145.39%-136.6pp |
| Employer contribution / active EE | $7,417 | $4,652+59.4% | $4,175+77.7% | $4,194+76.8% |
| Participant deferral / active EE | $3,940 | $6,159-36.0% | $5,451-27.7% | $6,396-38.4% |
| Admin fee / account holder | $3,207 | $16,880-81.0% | $14,497-77.9% | $12,562-74.5% |