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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 | $286,535 | $111,535+156.9% | $105,223+172.3% | $137,256+108.8% |
| Participation rate | 33.3% | 78.1%-44.8pp | 75.0%-41.7pp | 80.0%-46.6pp |
| Annual return | 11.46% | 237.85%-226.4pp | 180.65%-169.2pp | 220.34%-208.9pp |
| Employer contribution / active EE | $906 | $3,939-77.0% | $3,689-75.4% | $4,156-78.2% |
| Participant deferral / active EE | $5,200 | $5,500-5.5% | $5,072+2.5% | $6,407-18.8% |
| Admin fee / account holder | $2,112 | $9,721-78.3% | $8,859-76.2% | $12,270-82.8% |