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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 | $310,669 | $135,956+128.5% | $123,894+150.8% | $273,972+13.4% |
| Participation rate | 66.7% | 84.1%-17.4pp | 81.4%-14.7pp | 83.0%-16.3pp |
| Annual return | 2.64% | 56.63%-54.0pp | 47.52%-44.9pp | 41.46%-38.8pp |
| Employer contribution / active EE | $3,124 | $5,170-39.6% | $4,617-32.3% | $4,869-35.8% |
| Participant deferral / active EE | $10,087 | $6,343+59.0% | $5,984+68.6% | $5,287+90.8% |
| Admin fee / account holder | $684 | $9,817-93.0% | $8,357-91.8% | $10,133-93.3% |