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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 | $301,689 | $175,231+72.2% | $149,696+101.5% | $139,466+116.3% |
| Participation rate | 55.6% | 83.4%-27.8pp | 78.8%-23.2pp | 80.3%-24.8pp |
| Annual return | 6.01% | 166.77%-160.8pp | 134.46%-128.4pp | 373.66%-367.7pp |
| Employer contribution / active EE | $1,796 | $5,478-67.2% | $4,821-62.8% | $4,754-62.2% |
| Participant deferral / active EE | $7,615 | $6,521+16.8% | $5,682+34.0% | $6,712+13.4% |
| Admin fee / account holder | $1,601 | $16,155-90.1% | $13,212-87.9% | $11,409-86.0% |