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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 | $287,037 | $155,555+84.5% | $146,866+95.4% | $155,188+85.0% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.5%-32.5pp | 80.8%-30.8pp |
| Annual return | 7.10% | 115.41%-108.3pp | 102.85%-95.8pp | 148.84%-141.7pp |
| Employer contribution / active EE | $2,196 | $4,647-52.7% | $4,425-50.4% | $4,248-48.3% |
| Participant deferral / active EE | $10,762 | $8,044+33.8% | $7,759+38.7% | $6,531+64.8% |
| Admin fee / account holder | $2,638 | $14,755-82.1% | $13,620-80.6% | $14,480-81.8% |