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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 | $339,163 | $162,136+109.2% | $152,301+122.7% | $154,746+119.2% |
| Participation rate | 60.0% | 84.1%-24.1pp | 82.4%-22.4pp | 80.7%-20.7pp |
| Annual return | 11.11% | 91.02%-79.9pp | 80.50%-69.4pp | 172.34%-161.2pp |
| Employer contribution / active EE | $1,555 | $4,890-68.2% | $4,624-66.4% | $4,379-64.5% |
| Participant deferral / active EE | $3,122 | $8,341-62.6% | $8,004-61.0% | $6,730-53.6% |
| Admin fee / account holder | $5,254 | $15,759-66.7% | $14,398-63.5% | $14,365-63.4% |