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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 | $172,111+131.9% | $150,298+165.5% | $137,256+190.8% |
| Participation rate | 28.6% | 81.7%-53.1pp | 77.8%-49.2pp | 80.0%-51.4pp |
| Annual return | 8.80% | 69.37%-60.6pp | 62.79%-54.0pp | 220.34%-211.5pp |
| Employer contribution / active EE | $7,417 | $4,636+60.0% | $4,154+78.5% | $4,156+78.5% |
| Participant deferral / active EE | $3,940 | $6,166-36.1% | $5,453-27.7% | $6,407-38.5% |
| Admin fee / account holder | $3,207 | $16,471-80.5% | $14,116-77.3% | $12,270-73.9% |