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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 | $314,146 | $172,111+82.5% | $150,298+109.0% | $137,256+128.9% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 10.59% | 69.37%-58.8pp | 62.79%-52.2pp | 220.34%-209.7pp |
| Employer contribution / active EE | $13,729 | $4,636+196.1% | $4,154+230.5% | $4,156+230.3% |
| Participant deferral / active EE | $14,217 | $6,166+130.6% | $5,453+160.7% | $6,407+121.9% |
| Admin fee / account holder | $6,003 | $16,471-63.6% | $14,116-57.5% | $12,270-51.1% |