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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 | $261,961 | $228,395+14.7% | $185,861+40.9% | $158,982+64.8% |
| Participation rate | 62.5% | 82.3%-19.8pp | 78.0%-15.5pp | 82.0%-19.5pp |
| Annual return | -1.59% | 40.82%-42.4pp | 35.96%-37.6pp | 302.99%-304.6pp |
| Employer contribution / active EE | $2,246 | $4,968-54.8% | $4,088-45.1% | $4,763-52.8% |
| Participant deferral / active EE | $4,911 | $6,417-23.5% | $5,634-12.8% | $5,983-17.9% |
| Admin fee / account holder | $1,237 | $11,869-89.6% | $9,503-87.0% | $11,252-89.0% |