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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 | $387,500 | $156,398+147.8% | $147,318+163.0% | $138,895+179.0% |
| Participation rate | 62.5% | 83.8%-21.3pp | 82.1%-19.6pp | 79.9%-17.4pp |
| Annual return | 12.07% | 78.75%-66.7pp | 70.43%-58.4pp | 145.39%-133.3pp |
| Employer contribution / active EE | $2,829 | $4,853-41.7% | $4,593-38.4% | $4,194-32.6% |
| Participant deferral / active EE | $8,315 | $8,237+0.9% | $7,906+5.2% | $6,396+30.0% |
| Admin fee / account holder | $3,440 | $14,976-77.0% | $13,708-74.9% | $12,562-72.6% |