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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 | $357,909 | $156,398+128.8% | $147,318+142.9% | $138,895+157.7% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.4pp | 79.9%-13.3pp |
| Annual return | 6.28% | 78.75%-72.5pp | 70.43%-64.2pp | 145.39%-139.1pp |
| Employer contribution / active EE | $2,838 | $4,853-41.5% | $4,593-38.2% | $4,194-32.3% |
| Participant deferral / active EE | $7,095 | $8,237-13.9% | $7,906-10.3% | $6,396+10.9% |
| Admin fee / account holder | $820 | $14,976-94.5% | $13,708-94.0% | $12,562-93.5% |