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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 | $299,908 | $154,228+94.5% | $145,433+106.2% | $137,256+118.5% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 80.0%-30.0pp |
| Annual return | 4.06% | 74.59%-70.5pp | 66.58%-62.5pp | 220.34%-216.3pp |
| Employer contribution / active EE | $3,445 | $4,804-28.3% | $4,554-24.4% | $4,156-17.1% |
| Participant deferral / active EE | $18,380 | $8,216+123.7% | $7,897+132.7% | $6,407+186.9% |
| Admin fee / account holder | $775 | $14,344-94.6% | $13,129-94.1% | $12,270-93.7% |