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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 | $314,131 | $183,627+71.1% | $155,602+101.9% | $145,978+115.2% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 6.20% | 61.32%-55.1pp | 64.81%-58.6pp | 550.52%-544.3pp |
| Employer contribution / active EE | $1,225 | $5,316-77.0% | $4,675-73.8% | $4,662-73.7% |
| Participant deferral / active EE | $3,233 | $6,466-50.0% | $5,629-42.6% | $6,690-51.7% |
| Admin fee / account holder | $2,505 | $19,327-87.0% | $15,923-84.3% | $13,400-81.3% |