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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 | $253,099 | $182,442+38.7% | $163,379+54.9% | $138,895+82.2% |
| Participation rate | 40.0% | 79.8%-39.8pp | 76.8%-36.8pp | 79.9%-39.9pp |
| Annual return | 6.26% | 72.74%-66.5pp | 63.41%-57.2pp | 145.39%-139.1pp |
| Employer contribution / active EE | $3,610 | $4,159-13.2% | $3,752-3.8% | $4,194-13.9% |
| Participant deferral / active EE | $14,665 | $6,817+115.1% | $6,282+133.5% | $6,396+129.3% |
| Admin fee / account holder | $662,270 | $10,396+6270.7% | $9,818+6645.6% | $12,562+5171.9% |