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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 | $352,002 | $174,379+101.9% | $152,093+131.4% | $138,895+153.4% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 10.83% | 74.86%-64.0pp | 66.36%-55.5pp | 145.39%-134.6pp |
| Employer contribution / active EE | $2,000 | $4,652-57.0% | $4,175-52.1% | $4,194-52.3% |
| Participant deferral / active EE | $11,065 | $6,159+79.7% | $5,451+103.0% | $6,396+73.0% |
| Admin fee / account holder | $2,344 | $16,880-86.1% | $14,497-83.8% | $12,562-81.3% |