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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 | $272,979 | $175,259+55.8% | $149,723+82.3% | $139,487+95.7% |
| Participation rate | 44.4% | 83.4%-38.9pp | 78.8%-34.3pp | 80.3%-35.9pp |
| Annual return | 5.89% | 166.82%-160.9pp | 134.50%-128.6pp | 373.84%-367.9pp |
| Employer contribution / active EE | $2,086 | $5,478-61.9% | $4,821-56.7% | $4,755-56.1% |
| Participant deferral / active EE | $5,500 | $6,522-15.7% | $5,682-3.2% | $6,713-18.1% |
| Admin fee / account holder | $348 | $16,158-97.8% | $13,215-97.4% | $11,407-97.0% |