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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 | $183,516+71.2% | $155,534+102.0% | $145,884+115.3% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 6.20% | 61.43%-55.2pp | 64.92%-58.7pp | 551.85%-545.6pp |
| Employer contribution / active EE | $1,225 | $5,315-77.0% | $4,675-73.8% | $4,662-73.7% |
| Participant deferral / active EE | $3,233 | $6,467-50.0% | $5,630-42.6% | $6,690-51.7% |
| Admin fee / account holder | $2,505 | $19,293-87.0% | $15,900-84.2% | $13,392-81.3% |