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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 | $267,204 | $55,684+379.9% | $75,900+252.0% | $72,976+266.2% |
| Participation rate | 61.9% | 61.1%+0.8pp | 69.3%-7.4pp | 69.5%-7.6pp |
| Annual return | 14.21% | 27.60%-13.4pp | 30.73%-16.5pp | 81.02%-66.8pp |
| Employer contribution / active EE | $6,792 | $1,687+302.6% | $2,501+171.6% | $2,440+178.4% |
| Participant deferral / active EE | $2,216 | $2,634-15.9% | $3,604-38.5% | $3,608-38.6% |
| Admin fee / account holder | $5,454 | $3,981+37.0% | $5,421+0.6% | $5,124+6.4% |