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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 | $299,444 | $174,379+71.7% | $152,093+96.9% | $138,895+115.6% |
| Participation rate | 66.7% | 81.6%-15.0pp | 77.8%-11.1pp | 79.9%-13.3pp |
| Annual return | 6.89% | 74.86%-68.0pp | 66.36%-59.5pp | 145.39%-138.5pp |
| Employer contribution / active EE | $1,075 | $4,652-76.9% | $4,175-74.2% | $4,194-74.4% |
| Participant deferral / active EE | $3,333 | $6,159-45.9% | $5,451-38.9% | $6,396-47.9% |
| Admin fee / account holder | $2,802 | $16,880-83.4% | $14,497-80.7% | $12,562-77.7% |