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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 | $339,524 | $125,193+171.2% | $105,591+221.5% | $145,978+132.6% |
| Participation rate | 62.5% | 77.6%-15.1pp | 75.3%-12.8pp | 80.3%-17.8pp |
| Annual return | 8.07% | 225.53%-217.5pp | 116.43%-108.4pp | 550.52%-542.4pp |
| Employer contribution / active EE | $4,101 | $3,718+10.3% | $3,166+29.5% | $4,662-12.0% |
| Participant deferral / active EE | $2,893 | $5,708-49.3% | $5,008-42.2% | $6,690-56.8% |
| Admin fee / account holder | $106,672 | $17,277+517.4% | $11,024+867.6% | $13,400+696.0% |