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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 | $256,637 | $166,242+54.4% | $165,071+55.5% | $145,884+75.9% |
| Participation rate | 62.5% | 82.0%-19.5pp | 78.6%-16.1pp | 80.3%-17.8pp |
| Annual return | 7.04% | 100.44%-93.4pp | 70.17%-63.1pp | 551.85%-544.8pp |
| Employer contribution / active EE | $1,319 | $5,283-75.0% | $4,347-69.7% | $4,662-71.7% |
| Participant deferral / active EE | $10,410 | $6,964+49.5% | $6,035+72.5% | $6,690+55.6% |
| Admin fee / account holder | $750 | $16,658-95.5% | $12,695-94.1% | $13,392-94.4% |