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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 | $343,310 | $110,303+211.2% | $95,759+258.5% | $139,487+146.1% |
| Participation rate | 63.6% | 75.7%-12.1pp | 72.3%-8.6pp | 80.3%-16.7pp |
| Annual return | -3.75% | 27.19%-30.9pp | 28.42%-32.2pp | 373.84%-377.6pp |
| Employer contribution / active EE | $2,205 | $3,261-32.4% | $2,836-22.3% | $4,755-53.6% |
| Participant deferral / active EE | $5,797 | $4,674+24.0% | $4,244+36.6% | $6,713-13.6% |
| Admin fee / account holder | $4,382 | $6,615-33.8% | $5,678-22.8% | $11,407-61.6% |