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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 | $274,638 | $166,131+65.3% | $164,975+66.5% | $145,877+88.3% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 8.07% | 100.37%-92.3pp | 70.12%-62.1pp | 551.28%-543.2pp |
| Employer contribution / active EE | $3,027 | $5,276-42.6% | $4,343-30.3% | $4,663-35.1% |
| Participant deferral / active EE | $7,834 | $6,962+12.5% | $6,033+29.8% | $6,691+17.1% |
| Admin fee / account holder | $1,745 | $16,648-89.5% | $12,688-86.2% | $13,402-87.0% |