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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 | $294,535 | $217,432+35.5% | $185,849+58.5% | $167,536+75.8% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 8.62% | 148.42%-139.8pp | 122.10%-113.5pp | 478.82%-470.2pp |
| Employer contribution / active EE | $1,812 | $5,875-69.2% | $5,169-64.9% | $4,839-62.6% |
| Participant deferral / active EE | $5,428 | $6,357-14.6% | $5,569-2.5% | $6,342-14.4% |
| Admin fee / account holder | $5,975 | $19,818-69.8% | $16,244-63.2% | $12,315-51.5% |