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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 | $294,479 | $154,228+90.9% | $145,433+102.5% | $137,256+114.5% |
| Participation rate | 27.3% | 83.8%-56.5pp | 82.1%-54.8pp | 80.0%-52.7pp |
| Annual return | 10.80% | 74.59%-63.8pp | 66.58%-55.8pp | 220.34%-209.5pp |
| Employer contribution / active EE | $1,706 | $4,804-64.5% | $4,554-62.5% | $4,156-58.9% |
| Participant deferral / active EE | $6,467 | $8,216-21.3% | $7,897-18.1% | $6,407+0.9% |
| Admin fee / account holder | $769 | $14,344-94.6% | $13,129-94.1% | $12,270-93.7% |