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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 | $300,341 | $174,379+72.2% | $152,093+97.5% | $138,895+116.2% |
| Participation rate | 42.9% | 81.6%-38.8pp | 77.8%-34.9pp | 79.9%-37.1pp |
| Annual return | 9.31% | 74.86%-65.5pp | 66.36%-57.0pp | 145.39%-136.1pp |
| Employer contribution / active EE | $1,233 | $4,652-73.5% | $4,175-70.5% | $4,194-70.6% |
| Participant deferral / active EE | $2,638 | $6,159-57.2% | $5,451-51.6% | $6,396-58.8% |
| Admin fee / account holder | $26,446 | $16,880+56.7% | $14,497+82.4% | $12,562+110.5% |