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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 | $327,472 | $183,516+78.4% | $155,534+110.5% | $145,884+124.5% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 8.08% | 61.43%-53.3pp | 64.92%-56.8pp | 551.85%-543.8pp |
| Employer contribution / active EE | $2,865 | $5,315-46.1% | $4,675-38.7% | $4,662-38.6% |
| Participant deferral / active EE | $5,706 | $6,467-11.8% | $5,630+1.3% | $6,690-14.7% |
| Admin fee / account holder | $19,428 | $19,293+0.7% | $15,900+22.2% | $13,392+45.1% |