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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 | $250,494 | $183,627+36.4% | $155,602+61.0% | $145,978+71.6% |
| Participation rate | 12.5% | 82.7%-70.2pp | 78.2%-65.7pp | 80.3%-67.8pp |
| Annual return | 2.14% | 61.32%-59.2pp | 64.81%-62.7pp | 550.52%-548.4pp |
| Employer contribution / active EE | $2,200 | $5,316-58.6% | $4,675-52.9% | $4,662-52.8% |
| Participant deferral / active EE | $5,375 | $6,466-16.9% | $5,629-4.5% | $6,690-19.7% |
| Admin fee / account holder | $1,210 | $19,327-93.7% | $15,923-92.4% | $13,400-91.0% |