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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 | $283,458 | $175,231+61.8% | $149,696+89.4% | $139,466+103.2% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 4.41% | 166.77%-162.4pp | 134.46%-130.0pp | 373.66%-369.3pp |
| Employer contribution / active EE | $1,363 | $5,478-75.1% | $4,821-71.7% | $4,754-71.3% |
| Participant deferral / active EE | $5,481 | $6,521-15.9% | $5,682-3.5% | $6,712-18.3% |
| Admin fee / account holder | $2,184 | $16,155-86.5% | $13,212-83.5% | $11,409-80.9% |