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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 | $300,495 | $199,109+50.9% | $173,730+73.0% | $154,746+94.2% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.6%-19.6pp | 80.7%-20.7pp |
| Annual return | 8.70% | 20.02%-11.3pp | 19.96%-11.3pp | 172.34%-163.6pp |
| Employer contribution / active EE | $2,943 | $5,311-44.6% | $4,577-35.7% | $4,379-32.8% |
| Participant deferral / active EE | $4,671 | $7,113-34.3% | $6,326-26.2% | $6,730-30.6% |
| Admin fee / account holder | $27,846 | $20,916+33.1% | $17,523+58.9% | $14,365+93.8% |