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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 | $390,083 | $126,661+208.0% | $113,397+244.0% | $138,895+180.8% |
| Participation rate | 61.1% | 79.4%-18.3pp | 76.5%-15.4pp | 79.9%-18.8pp |
| Annual return | 9.38% | 25.05%-15.7pp | 23.20%-13.8pp | 145.39%-136.0pp |
| Employer contribution / active EE | $1,745 | $3,456-49.5% | $2,977-41.4% | $4,194-58.4% |
| Participant deferral / active EE | $5,276 | $5,693-7.3% | $5,076+3.9% | $6,396-17.5% |
| Admin fee / account holder | $2,645 | $14,549-81.8% | $11,957-77.9% | $12,562-78.9% |