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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 | $286,228 | $172,111+66.3% | $150,298+90.4% | $137,256+108.5% |
| Participation rate | 42.9% | 81.7%-38.9pp | 77.8%-34.9pp | 80.0%-37.1pp |
| Annual return | 3.43% | 69.37%-65.9pp | 62.79%-59.4pp | 220.34%-216.9pp |
| Employer contribution / active EE | $2,279 | $4,636-50.8% | $4,154-45.1% | $4,156-45.2% |
| Participant deferral / active EE | $11,111 | $6,166+80.2% | $5,453+103.8% | $6,407+73.4% |
| Admin fee / account holder | $1,179 | $16,471-92.8% | $14,116-91.6% | $12,270-90.4% |