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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 | $304,064 | $162,967+86.6% | $135,792+123.9% | $138,895+118.9% |
| Participation rate | 63.6% | 78.3%-14.7pp | 72.6%-9.0pp | 79.9%-16.3pp |
| Annual return | 8.68% | 30.08%-21.4pp | 25.96%-17.3pp | 145.39%-136.7pp |
| Employer contribution / active EE | $3,302 | $4,211-21.6% | $3,496-5.5% | $4,194-21.3% |
| Participant deferral / active EE | $5,840 | $5,640+3.5% | $4,759+22.7% | $6,396-8.7% |
| Admin fee / account holder | $2,389 | $15,306-84.4% | $12,266-80.5% | $12,562-81.0% |