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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 | $213,785+34.7% | $185,441+55.3% | $155,188+85.6% |
| Participation rate | 52.4% | 83.2%-30.8pp | 80.3%-27.9pp | 80.8%-28.4pp |
| Annual return | 6.30% | 19.97%-13.7pp | 20.16%-13.9pp | 148.84%-142.5pp |
| Employer contribution / active EE | $0 | $5,393-100.0% | $4,672-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $7,648 | $6,864+11.4% | $6,152+24.3% | $6,531+17.1% |
| Admin fee / account holder | $60,035 | $21,134+184.1% | $17,890+235.6% | $14,480+314.6% |