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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 | $381,838 | $110,337+246.1% | $102,383+273.0% | $145,877+161.8% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 5.01% | 24.83%-19.8pp | 24.94%-19.9pp | 551.28%-546.3pp |
| Employer contribution / active EE | $5,160 | $4,216+22.4% | $3,870+33.3% | $4,663+10.7% |
| Participant deferral / active EE | $20,244 | $5,621+260.2% | $5,060+300.1% | $6,691+202.6% |
| Admin fee / account holder | $1,150 | $9,750-88.2% | $8,391-86.3% | $13,402-91.4% |