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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 | $254,608 | $183,516+38.7% | $155,534+63.7% | $145,884+74.5% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 7.85% | 61.43%-53.6pp | 64.92%-57.1pp | 551.85%-544.0pp |
| Employer contribution / active EE | $4,609 | $5,315-13.3% | $4,675-1.4% | $4,662-1.2% |
| Participant deferral / active EE | $2,019 | $6,467-68.8% | $5,630-64.1% | $6,690-69.8% |
| Admin fee / account holder | $21,395 | $19,293+10.9% | $15,900+34.6% | $13,392+59.8% |