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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 | $506,826 | $172,111+194.5% | $150,298+237.2% | $137,256+269.3% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 5.66% | 69.37%-63.7pp | 62.79%-57.1pp | 220.34%-214.7pp |
| Employer contribution / active EE | $4,357 | $4,636-6.0% | $4,154+4.9% | $4,156+4.8% |
| Participant deferral / active EE | $11,210 | $6,166+81.8% | $5,453+105.6% | $6,407+75.0% |
| Admin fee / account holder | $2,859 | $16,471-82.6% | $14,116-79.7% | $12,270-76.7% |