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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 | $267,393 | $183,516+45.7% | $155,534+71.9% | $145,884+83.3% |
| Participation rate | 21.1% | 82.7%-61.7pp | 78.2%-57.2pp | 80.3%-59.3pp |
| Annual return | 4.67% | 61.43%-56.8pp | 64.92%-60.2pp | 551.85%-547.2pp |
| Employer contribution / active EE | $1,339 | $5,315-74.8% | $4,675-71.4% | $4,662-71.3% |
| Participant deferral / active EE | $2,404 | $6,467-62.8% | $5,630-57.3% | $6,690-64.1% |
| Admin fee / account holder | $1,309 | $19,293-93.2% | $15,900-91.8% | $13,392-90.2% |