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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 | $362,297 | $92,798+290.4% | $96,707+274.6% | $137,256+164.0% |
| Participation rate | 66.7% | 81.6%-15.0pp | 80.4%-13.7pp | 80.0%-13.3pp |
| Annual return | 10.24% | 31.24%-21.0pp | 34.78%-24.5pp | 220.34%-210.1pp |
| Employer contribution / active EE | $19,726 | $4,147+375.6% | $4,191+370.6% | $4,156+374.6% |
| Participant deferral / active EE | $14,239 | $5,877+142.3% | $5,997+137.4% | $6,407+122.2% |
| Admin fee / account holder | $1,643 | $7,946-79.3% | $7,503-78.1% | $12,270-86.6% |