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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 | $323,173 | $72,071+348.4% | $68,368+372.7% | $137,256+135.5% |
| Participation rate | 66.7% | 76.2%-9.6pp | 73.8%-7.1pp | 80.0%-13.3pp |
| Annual return | 12.33% | 353.14%-340.8pp | 292.57%-280.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $2,167 | $2,788-22.3% | $2,649-18.2% | $4,156-47.9% |
| Participant deferral / active EE | $2,708 | $4,410-38.6% | $4,123-34.3% | $6,407-57.7% |
| Admin fee / account holder | $4,589 | $5,336-14.0% | $5,150-10.9% | $12,270-62.6% |