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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 | $425,118 | $95,406+345.6% | $185,849+128.7% | $85,847+395.2% |
| Participation rate | 59.3% | 68.8%-9.5pp | 81.7%-22.4pp | 69.3%-10.1pp |
| Annual return | 6.21% | 23.59%-17.4pp | 122.10%-115.9pp | 318.61%-312.4pp |
| Employer contribution / active EE | $2,394 | $3,314-27.8% | $5,169-53.7% | $2,565-6.7% |
| Participant deferral / active EE | $4,364 | $3,424+27.5% | $5,569-21.6% | $3,952+10.4% |
| Admin fee / account holder | $3,093 | $7,214-57.1% | $16,244-81.0% | $6,261-50.6% |