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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 | $275,897 | $96,643+185.5% | $86,617+218.5% | $139,456+97.8% |
| Participation rate | 66.7% | 74.4%-7.7pp | 71.7%-5.0pp | 80.3%-13.7pp |
| Annual return | 10.61% | 106.57%-96.0pp | 591.91%-581.3pp | 373.45%-362.8pp |
| Employer contribution / active EE | $1,629 | $3,264-50.1% | $3,023-46.1% | $4,753-65.7% |
| Participant deferral / active EE | $3,336 | $4,835-31.0% | $4,437-24.8% | $6,711-50.3% |
| Admin fee / account holder | $8,248 | $6,406+28.8% | $5,613+47.0% | $11,407-27.7% |