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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 | $314,237 | $162,136+93.8% | $152,301+106.3% | $154,746+103.1% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 8.75% | 91.02%-82.3pp | 80.50%-71.8pp | 172.34%-163.6pp |
| Employer contribution / active EE | $2,455 | $4,890-49.8% | $4,624-46.9% | $4,379-43.9% |
| Participant deferral / active EE | $8,680 | $8,341+4.1% | $8,004+8.4% | $6,730+29.0% |
| Admin fee / account holder | $17,694 | $15,759+12.3% | $14,398+22.9% | $14,365+23.2% |