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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 | $252,377 | $111,535+126.3% | $105,223+139.8% | $137,256+83.9% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.0%-12.5pp | 80.0%-17.5pp |
| Annual return | 6.27% | 237.85%-231.6pp | 180.65%-174.4pp | 220.34%-214.1pp |
| Employer contribution / active EE | $1,695 | $3,939-57.0% | $3,689-54.0% | $4,156-59.2% |
| Participant deferral / active EE | $4,080 | $5,500-25.8% | $5,072-19.6% | $6,407-36.3% |
| Admin fee / account holder | $742 | $9,721-92.4% | $8,859-91.6% | $12,270-94.0% |