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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 | $277,926 | $162,136+71.4% | $152,301+82.5% | $154,746+79.6% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 10.91% | 91.02%-80.1pp | 80.50%-69.6pp | 172.34%-161.4pp |
| Employer contribution / active EE | $2,640 | $4,890-46.0% | $4,624-42.9% | $4,379-39.7% |
| Participant deferral / active EE | $21,917 | $8,341+162.8% | $8,004+173.8% | $6,730+225.6% |
| Admin fee / account holder | $8,389 | $15,759-46.8% | $14,398-41.7% | $14,365-41.6% |