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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 | $338,235 | $117,433+188.0% | $99,475+240.0% | $152,897+121.2% |
| Participation rate | 63.6% | 77.5%-13.9pp | 73.8%-10.2pp | 82.5%-18.8pp |
| Annual return | 4.29% | 31.87%-27.6pp | 30.72%-26.4pp | 345.43%-341.1pp |
| Employer contribution / active EE | $3,478 | $3,013+15.4% | $2,540+36.9% | $4,764-27.0% |
| Participant deferral / active EE | $1,259 | $4,086-69.2% | $3,619-65.2% | $5,851-78.5% |
| Admin fee / account holder | $418 | $7,634-94.5% | $6,252-93.3% | $11,599-96.4% |