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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 | $305,027 | $100,147+204.6% | $81,286+275.3% | $145,877+109.1% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.5%-2.9pp | 80.3%-13.6pp |
| Annual return | 5.28% | 34.44%-29.2pp | 24.80%-19.5pp | 551.28%-546.0pp |
| Employer contribution / active EE | $745 | $2,977-75.0% | $2,463-69.7% | $4,663-84.0% |
| Participant deferral / active EE | $17,033 | $4,607+269.7% | $3,883+338.7% | $6,691+154.6% |
| Admin fee / account holder | $458 | $8,201-94.4% | $5,764-92.1% | $13,402-96.6% |