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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 | $287,975 | $199,109+44.6% | $173,730+65.8% | $154,746+86.1% |
| Participation rate | 52.4% | 82.8%-30.4pp | 79.6%-27.2pp | 80.7%-28.3pp |
| Annual return | 6.30% | 20.02%-13.7pp | 19.96%-13.7pp | 172.34%-166.0pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $7,648 | $7,113+7.5% | $6,326+20.9% | $6,730+13.6% |
| Admin fee / account holder | $60,035 | $20,916+187.0% | $17,523+242.6% | $14,365+317.9% |