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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 | $253,075 | $183,592+37.8% | $155,574+62.7% | $145,877+73.5% |
| Participation rate | 45.5% | 82.7%-37.2pp | 78.2%-32.8pp | 80.3%-34.8pp |
| Annual return | 6.77% | 61.37%-54.6pp | 64.87%-58.1pp | 551.28%-544.5pp |
| Employer contribution / active EE | $1,082 | $5,317-79.6% | $4,676-76.9% | $4,663-76.8% |
| Participant deferral / active EE | $6,714 | $6,466+3.8% | $5,629+19.3% | $6,691+0.4% |
| Admin fee / account holder | $1,024 | $19,316-94.7% | $15,914-93.6% | $13,402-92.4% |