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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 | $81,276+234.5% | $155,574+74.7% | $80,925+235.9% |
| Participation rate | 69.7% | 66.2%+3.4pp | 78.2%-8.5pp | 67.7%+2.0pp |
| Annual return | 9.98% | 33.36%-23.4pp | 64.87%-54.9pp | 35.65%-25.7pp |
| Employer contribution / active EE | $5,041 | $3,103+62.5% | $4,676+7.8% | $2,756+82.9% |
| Participant deferral / active EE | $4,506 | $3,453+30.5% | $5,629-20.0% | $4,299+4.8% |
| Admin fee / account holder | $932 | $7,993-88.3% | $15,914-94.1% | $6,940-86.6% |