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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 | $256,093 | $110,410+131.9% | $102,437+150.0% | $145,897+75.5% |
| Participation rate | 68.8% | 77.9%-9.2pp | 74.5%-5.8pp | 80.3%-11.6pp |
| Annual return | 8.76% | 24.85%-16.1pp | 24.95%-16.2pp | 552.29%-543.5pp |
| Employer contribution / active EE | $2,044 | $4,217-51.5% | $3,871-47.2% | $4,663-56.2% |
| Participant deferral / active EE | $8,844 | $5,622+57.3% | $5,060+74.8% | $6,689+32.2% |
| Admin fee / account holder | $3,944 | $9,745-59.5% | $8,388-53.0% | $13,390-70.5% |