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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 | $253,006 | $183,539+37.8% | $155,556+62.6% | $145,897+73.4% |
| Participation rate | 19.0% | 82.7%-63.7pp | 78.2%-59.2pp | 80.3%-61.3pp |
| Annual return | 6.77% | 61.31%-54.5pp | 64.84%-58.1pp | 552.29%-545.5pp |
| Employer contribution / active EE | $1,184 | $5,315-77.7% | $4,675-74.7% | $4,663-74.6% |
| Participant deferral / active EE | $2,966 | $6,467-54.1% | $5,631-47.3% | $6,689-55.7% |
| Admin fee / account holder | $3,195 | $19,275-83.4% | $15,885-79.9% | $13,390-76.1% |