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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 | $330,278 | $183,516+80.0% | $155,534+112.4% | $145,884+126.4% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 8.73% | 61.43%-52.7pp | 64.92%-56.2pp | 551.85%-543.1pp |
| Employer contribution / active EE | $8,797 | $5,315+65.5% | $4,675+88.2% | $4,662+88.7% |
| Participant deferral / active EE | $4,681 | $6,467-27.6% | $5,630-16.9% | $6,690-30.0% |
| Admin fee / account holder | $2,731 | $19,293-85.8% | $15,900-82.8% | $13,392-79.6% |