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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 | $253,012 | $183,592+37.8% | $155,574+62.6% | $145,877+73.4% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 7.12% | 61.37%-54.3pp | 64.87%-57.7pp | 551.28%-544.2pp |
| Employer contribution / active EE | $3,936 | $5,317-26.0% | $4,676-15.8% | $4,663-15.6% |
| Participant deferral / active EE | $8,527 | $6,466+31.9% | $5,629+51.5% | $6,691+27.5% |
| Admin fee / account holder | $1,787 | $19,316-90.8% | $15,914-88.8% | $13,402-86.7% |