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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 | $432,329 | $111,535+287.6% | $105,223+310.9% | $137,256+215.0% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 3.88% | 237.85%-234.0pp | 180.65%-176.8pp | 220.34%-216.5pp |
| Employer contribution / active EE | $2,915 | $3,939-26.0% | $3,689-21.0% | $4,156-29.9% |
| Participant deferral / active EE | $20,865 | $5,500+279.4% | $5,072+311.4% | $6,407+225.7% |
| Admin fee / account holder | $1,566 | $9,721-83.9% | $8,859-82.3% | $12,270-87.2% |