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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 | $285,607 | $209,336+36.4% | $197,124+44.9% | $137,256+108.1% |
| Participation rate | 55.6% | 87.3%-31.7pp | 86.7%-31.2pp | 80.0%-24.4pp |
| Annual return | 9.68% | 48.09%-38.4pp | 44.34%-34.7pp | 220.34%-210.7pp |
| Employer contribution / active EE | $3,239 | $6,591-50.9% | $6,227-48.0% | $4,156-22.1% |
| Participant deferral / active EE | $11,833 | $9,614+23.1% | $9,135+29.5% | $6,407+84.7% |
| Admin fee / account holder | $4,802 | $17,308-72.3% | $16,298-70.5% | $12,270-60.9% |