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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 | $271,180 | $166,268+63.1% | $165,100+64.3% | $145,897+85.9% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 7.97% | 100.52%-92.6pp | 70.21%-62.2pp | 552.29%-544.3pp |
| Employer contribution / active EE | $20,103 | $5,284+280.5% | $4,348+362.4% | $4,663+331.2% |
| Participant deferral / active EE | $11,224 | $6,964+61.2% | $6,035+86.0% | $6,689+67.8% |
| Admin fee / account holder | $3,005 | $16,659-82.0% | $12,696-76.3% | $13,390-77.6% |