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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 | $251,502 | $125,237+100.8% | $105,608+138.1% | $145,877+72.4% |
| Participation rate | 40.9% | 77.7%-36.7pp | 75.3%-34.4pp | 80.3%-39.4pp |
| Annual return | 6.87% | 225.76%-218.9pp | 116.50%-109.6pp | 551.28%-544.4pp |
| Employer contribution / active EE | $1,282 | $3,720-65.5% | $3,167-59.5% | $4,663-72.5% |
| Participant deferral / active EE | $4,018 | $5,711-29.6% | $5,010-19.8% | $6,691-39.9% |
| Admin fee / account holder | $6,724 | $17,287-61.1% | $11,028-39.0% | $13,402-49.8% |