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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 | $261,443 | $182,442+43.3% | $163,379+60.0% | $138,895+88.2% |
| Participation rate | 37.5% | 79.8%-42.3pp | 76.8%-39.3pp | 79.9%-42.4pp |
| Annual return | 9.27% | 72.74%-63.5pp | 63.41%-54.1pp | 145.39%-136.1pp |
| Employer contribution / active EE | $989 | $4,159-76.2% | $3,752-73.7% | $4,194-76.4% |
| Participant deferral / active EE | $3,609 | $6,817-47.1% | $6,282-42.6% | $6,396-43.6% |
| Admin fee / account holder | $2,313 | $10,396-77.8% | $9,818-76.4% | $12,562-81.6% |