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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 | $369,427 | $228,352+61.8% | $185,827+98.8% | $158,950+132.4% |
| Participation rate | 66.7% | 82.3%-15.6pp | 78.0%-11.4pp | 82.0%-15.3pp |
| Annual return | 2.37% | 40.81%-38.4pp | 35.96%-33.6pp | 302.91%-300.5pp |
| Employer contribution / active EE | $3,503 | $4,967-29.5% | $4,087-14.3% | $4,762-26.4% |
| Participant deferral / active EE | $7,809 | $6,416+21.7% | $5,633+38.6% | $5,983+30.5% |
| Admin fee / account holder | $1,564 | $11,867-86.8% | $9,502-83.5% | $11,248-86.1% |