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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 | $309,727 | $156,398+98.0% | $147,318+110.2% | $138,895+123.0% |
| Participation rate | 55.6% | 83.8%-28.2pp | 82.1%-26.5pp | 79.9%-24.4pp |
| Annual return | 10.97% | 78.75%-67.8pp | 70.43%-59.5pp | 145.39%-134.4pp |
| Employer contribution / active EE | $2,005 | $4,853-58.7% | $4,593-56.3% | $4,194-52.2% |
| Participant deferral / active EE | $5,203 | $8,237-36.8% | $7,906-34.2% | $6,396-18.7% |
| Admin fee / account holder | $1,408 | $14,976-90.6% | $13,708-89.7% | $12,562-88.8% |