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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 | $271,861 | $81,358+234.2% | $155,556+74.8% | $80,959+235.8% |
| Participation rate | 69.7% | 66.3%+3.4pp | 78.2%-8.5pp | 67.7%+2.0pp |
| Annual return | 9.98% | 33.39%-23.4pp | 64.84%-54.9pp | 35.67%-25.7pp |
| Employer contribution / active EE | $5,041 | $3,106+62.3% | $4,675+7.8% | $2,757+82.9% |
| Participant deferral / active EE | $4,506 | $3,455+30.4% | $5,631-20.0% | $4,300+4.8% |
| Admin fee / account holder | $932 | $7,994-88.3% | $15,885-94.1% | $6,925-86.5% |