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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 | $263,481 | $185,312+42.2% | $161,489+63.2% | $154,746+70.3% |
| Participation rate | 63.6% | 82.5%-18.8pp | 78.7%-15.1pp | 80.7%-17.1pp |
| Annual return | 7.49% | 103.84%-96.3pp | 89.72%-82.2pp | 172.34%-164.8pp |
| Employer contribution / active EE | $2,187 | $4,769-54.1% | $4,268-48.8% | $4,379-50.1% |
| Participant deferral / active EE | $6,722 | $6,350+5.9% | $5,630+19.4% | $6,730-0.1% |
| Admin fee / account holder | $5,263 | $18,654-71.8% | $16,006-67.1% | $14,365-63.4% |