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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 | $129,737+131.0% | $119,126+151.6% | $154,746+93.7% |
| Participation rate | 45.5% | 78.9%-33.4pp | 75.8%-30.3pp | 80.7%-35.2pp |
| Annual return | 8.97% | 379.08%-370.1pp | 282.11%-273.1pp | 172.34%-163.4pp |
| Employer contribution / active EE | $2,339 | $4,375-46.5% | $4,034-42.0% | $4,379-46.6% |
| Participant deferral / active EE | $4,740 | $5,842-18.9% | $5,318-10.9% | $6,730-29.6% |
| Admin fee / account holder | $967 | $11,961-91.9% | $10,693-91.0% | $14,365-93.3% |