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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 | $252,659 | $162,812+55.2% | $133,971+88.6% | $158,966+58.9% |
| Participation rate | 66.7% | 83.2%-16.6pp | 79.8%-13.2pp | 82.0%-15.3pp |
| Annual return | 1.97% | 41.94%-40.0pp | 45.09%-43.1pp | 302.95%-301.0pp |
| Employer contribution / active EE | $7,138 | $4,976+43.4% | $3,919+82.1% | $4,762+49.9% |
| Participant deferral / active EE | $13,020 | $5,910+120.3% | $5,047+158.0% | $5,983+117.6% |
| Admin fee / account holder | $209,235 | $11,741+1682.1% | $8,929+2243.2% | $11,250+1759.9% |