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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 | $364,916 | $183,592+98.8% | $155,574+134.6% | $145,877+150.2% |
| Participation rate | 45.5% | 82.7%-37.2pp | 78.2%-32.8pp | 80.3%-34.8pp |
| Annual return | 8.43% | 61.37%-52.9pp | 64.87%-56.4pp | 551.28%-542.8pp |
| Employer contribution / active EE | $2,984 | $5,317-43.9% | $4,676-36.2% | $4,663-36.0% |
| Participant deferral / active EE | $10,390 | $6,466+60.7% | $5,629+84.6% | $6,691+55.3% |
| Admin fee / account holder | $2,034 | $19,316-89.5% | $15,914-87.2% | $13,402-84.8% |