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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 | $356,052 | $183,516+94.0% | $155,534+128.9% | $145,884+144.1% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 7.34% | 61.43%-54.1pp | 64.92%-57.6pp | 551.85%-544.5pp |
| Employer contribution / active EE | $3,954 | $5,315-25.6% | $4,675-15.4% | $4,662-15.2% |
| Participant deferral / active EE | $8,160 | $6,467+26.2% | $5,630+44.9% | $6,690+22.0% |
| Admin fee / account holder | $3,273 | $19,293-83.0% | $15,900-79.4% | $13,392-75.6% |