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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 | $129,737+233.2% | $119,126+262.9% | $154,746+179.4% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 3.88% | 379.08%-375.2pp | 282.11%-278.2pp | 172.34%-168.5pp |
| Employer contribution / active EE | $2,915 | $4,375-33.4% | $4,034-27.7% | $4,379-33.4% |
| Participant deferral / active EE | $20,865 | $5,842+257.2% | $5,318+292.3% | $6,730+210.0% |
| Admin fee / account holder | $1,566 | $11,961-86.9% | $10,693-85.4% | $14,365-89.1% |