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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 | $270,925 | $99,652+171.9% | $78,778+243.9% | $147,586+83.6% |
| Participation rate | 28.6% | 76.2%-47.7pp | 69.2%-40.6pp | 82.8%-54.3pp |
| Annual return | 2.57% | 47.28%-44.7pp | 35.62%-33.0pp | 578.59%-576.0pp |
| Employer contribution / active EE | $1,469 | $2,796-47.4% | $1,986-26.0% | $4,876-69.9% |
| Participant deferral / active EE | $2,673 | $3,664-27.0% | $2,958-9.7% | $5,439-50.9% |
| Admin fee / account holder | $6,616 | $7,155-7.5% | $5,134+28.9% | $10,886-39.2% |