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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 | $293,841 | $183,516+60.1% | $155,534+88.9% | $145,884+101.4% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 2.38% | 61.43%-59.0pp | 64.92%-62.5pp | 551.85%-549.5pp |
| Employer contribution / active EE | $2,961 | $5,315-44.3% | $4,675-36.7% | $4,662-36.5% |
| Participant deferral / active EE | $6,922 | $6,467+7.0% | $5,630+22.9% | $6,690+3.5% |
| Admin fee / account holder | $8,873 | $19,293-54.0% | $15,900-44.2% | $13,392-33.7% |