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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 | $395,611 | $110,379+258.4% | $102,412+286.3% | $145,884+171.2% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 9.02% | 24.84%-15.8pp | 24.94%-15.9pp | 551.85%-542.8pp |
| Employer contribution / active EE | $5,746 | $4,216+36.3% | $3,870+48.5% | $4,662+23.2% |
| Participant deferral / active EE | $13,077 | $5,622+132.6% | $5,060+158.4% | $6,690+95.5% |
| Admin fee / account holder | $12,023 | $9,745+23.4% | $8,388+43.3% | $13,392-10.2% |