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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 | $369,902 | $154,228+139.8% | $145,433+154.3% | $137,256+169.5% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 12.17% | 74.59%-62.4pp | 66.58%-54.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $4,260 | $4,804-11.3% | $4,554-6.5% | $4,156+2.5% |
| Participant deferral / active EE | $14,865 | $8,216+80.9% | $7,897+88.2% | $6,407+132.0% |
| Admin fee / account holder | $30,105 | $14,344+109.9% | $13,129+129.3% | $12,270+145.4% |