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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 | $310,388 | $162,785+90.7% | $133,959+131.7% | $158,950+95.3% |
| Participation rate | 61.5% | 83.2%-21.7pp | 79.8%-18.3pp | 82.0%-20.4pp |
| Annual return | 4.58% | 41.94%-37.4pp | 45.09%-40.5pp | 302.91%-298.3pp |
| Employer contribution / active EE | $3,212 | $4,975-35.4% | $3,919-18.0% | $4,762-32.5% |
| Participant deferral / active EE | $9,961 | $5,910+68.5% | $5,047+97.4% | $5,983+66.5% |
| Admin fee / account holder | $31,117 | $11,738+165.1% | $8,928+248.5% | $11,248+176.6% |