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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 | $314,149 | $108,942+188.4% | $100,415+212.9% | $145,897+115.3% |
| Participation rate | 53.8% | 83.0%-29.1pp | 81.5%-27.7pp | 80.3%-26.5pp |
| Annual return | 8.58% | 58.27%-49.7pp | 49.47%-40.9pp | 552.29%-543.7pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $9,549 | $8,461+12.9% | $8,091+18.0% | $6,689+42.8% |
| Admin fee / account holder | $1,306 | $9,702-86.5% | $7,906-83.5% | $13,390-90.2% |