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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 | $255,927 | $97,125+163.5% | $86,233+196.8% | $137,256+86.5% |
| Participation rate | 55.0% | 74.2%-19.2pp | 69.0%-14.0pp | 80.0%-25.0pp |
| Annual return | 9.48% | 74.19%-64.7pp | 61.39%-51.9pp | 220.34%-210.9pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $2,504-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,462 | $5,180-52.5% | $4,559-46.0% | $6,407-61.6% |
| Admin fee / account holder | $3,730 | $9,725-61.6% | $8,342-55.3% | $12,270-69.6% |