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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 | $328,028 | $183,592+78.7% | $155,574+110.8% | $145,877+124.9% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 4.37% | 61.37%-57.0pp | 64.87%-60.5pp | 551.28%-546.9pp |
| Employer contribution / active EE | $2,295 | $5,317-56.8% | $4,676-50.9% | $4,663-50.8% |
| Participant deferral / active EE | $5,737 | $6,466-11.3% | $5,629+1.9% | $6,691-14.2% |
| Admin fee / account holder | $4,449 | $19,316-77.0% | $15,914-72.0% | $13,402-66.8% |