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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 | $287,655 | $209,336+37.4% | $197,124+45.9% | $137,256+109.6% |
| Participation rate | 60.0% | 87.3%-27.3pp | 86.7%-26.7pp | 80.0%-20.0pp |
| Annual return | 7.08% | 48.09%-41.0pp | 44.34%-37.3pp | 220.34%-213.3pp |
| Employer contribution / active EE | $2,782 | $6,591-57.8% | $6,227-55.3% | $4,156-33.1% |
| Participant deferral / active EE | $9,866 | $9,614+2.6% | $9,135+8.0% | $6,407+54.0% |
| Admin fee / account holder | $574 | $17,308-96.7% | $16,298-96.5% | $12,270-95.3% |