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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 | $254,442 | $154,228+65.0% | $145,433+75.0% | $137,256+85.4% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 9.91% | 74.59%-64.7pp | 66.58%-56.7pp | 220.34%-210.4pp |
| Employer contribution / active EE | $4,561 | $4,804-5.1% | $4,554+0.1% | $4,156+9.7% |
| Participant deferral / active EE | $8,803 | $8,216+7.1% | $7,897+11.5% | $6,407+37.4% |
| Admin fee / account holder | $3,297 | $14,344-77.0% | $13,129-74.9% | $12,270-73.1% |