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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 | $502,910 | $162,136+210.2% | $152,301+230.2% | $154,746+225.0% |
| Participation rate | 57.1% | 84.1%-27.0pp | 82.4%-25.3pp | 80.7%-23.6pp |
| Annual return | 10.86% | 91.02%-80.2pp | 80.50%-69.6pp | 172.34%-161.5pp |
| Employer contribution / active EE | $3,931 | $4,890-19.6% | $4,624-15.0% | $4,379-10.2% |
| Participant deferral / active EE | $3,885 | $8,341-53.4% | $8,004-51.5% | $6,730-42.3% |
| Admin fee / account holder | $17,843 | $15,759+13.2% | $14,398+23.9% | $14,365+24.2% |