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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 | $280,788 | $174,379+61.0% | $152,093+84.6% | $138,895+102.2% |
| Participation rate | 44.4% | 81.6%-37.2pp | 77.8%-33.3pp | 79.9%-35.5pp |
| Annual return | 10.32% | 74.86%-64.5pp | 66.36%-56.0pp | 145.39%-135.1pp |
| Employer contribution / active EE | $1,272 | $4,652-72.7% | $4,175-69.5% | $4,194-69.7% |
| Participant deferral / active EE | $2,430 | $6,159-60.5% | $5,451-55.4% | $6,396-62.0% |
| Admin fee / account holder | $32,077 | $16,880+90.0% | $14,497+121.3% | $12,562+155.3% |