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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 | $383,560 | $148,629+158.1% | $135,982+182.1% | $139,487+175.0% |
| Participation rate | 40.0% | 83.9%-43.9pp | 81.9%-41.9pp | 80.3%-40.3pp |
| Annual return | 11.91% | 79.33%-67.4pp | 68.32%-56.4pp | 373.84%-361.9pp |
| Employer contribution / active EE | $1,283 | $5,247-75.5% | $4,859-73.6% | $4,755-73.0% |
| Participant deferral / active EE | $10,500 | $8,102+29.6% | $7,760+35.3% | $6,713+56.4% |
| Admin fee / account holder | $2,910 | $12,406-76.5% | $10,767-73.0% | $11,407-74.5% |