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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 | $268,529 | $67,823+295.9% | $52,425+412.2% | $137,256+95.6% |
| Participation rate | 60.0% | 63.9%-3.9pp | 55.6%+4.4pp | 80.0%-20.0pp |
| Annual return | 6.92% | 219.11%-212.2pp | 302.12%-295.2pp | 220.34%-213.4pp |
| Employer contribution / active EE | $1,105 | $1,163-5.0% | $914+20.9% | $4,156-73.4% |
| Participant deferral / active EE | $1,500 | $2,288-34.4% | $1,790-16.2% | $6,407-76.6% |
| Admin fee / account holder | $1,775 | $2,844-37.6% | $2,495-28.9% | $12,270-85.5% |