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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 | $299,727 | $111,535+168.7% | $105,223+184.8% | $137,256+118.4% |
| Participation rate | 45.5% | 78.1%-32.6pp | 75.0%-29.6pp | 80.0%-34.5pp |
| Annual return | 8.97% | 237.85%-228.9pp | 180.65%-171.7pp | 220.34%-211.4pp |
| Employer contribution / active EE | $2,339 | $3,939-40.6% | $3,689-36.6% | $4,156-43.7% |
| Participant deferral / active EE | $4,740 | $5,500-13.8% | $5,072-6.5% | $6,407-26.0% |
| Admin fee / account holder | $967 | $9,721-90.1% | $8,859-89.1% | $12,270-92.1% |