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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 | $223,823+28.5% | $211,142+36.2% | $154,746+85.9% |
| Participation rate | 60.0% | 87.9%-27.9pp | 87.3%-27.3pp | 80.7%-20.7pp |
| Annual return | 7.08% | 50.39%-43.3pp | 46.84%-39.8pp | 172.34%-165.3pp |
| Employer contribution / active EE | $2,782 | $6,787-59.0% | $6,442-56.8% | $4,379-36.5% |
| Participant deferral / active EE | $9,866 | $9,750+1.2% | $9,284+6.3% | $6,730+46.6% |
| Admin fee / account holder | $574 | $19,707-97.1% | $19,076-97.0% | $14,365-96.0% |