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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 | $377,189 | $155,555+142.5% | $146,866+156.8% | $155,188+143.1% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.5%-15.8pp | 80.8%-14.1pp |
| Annual return | 9.10% | 115.41%-106.3pp | 102.85%-93.8pp | 148.84%-139.7pp |
| Employer contribution / active EE | $3,000 | $4,647-35.4% | $4,425-32.2% | $4,248-29.4% |
| Participant deferral / active EE | $15,667 | $8,044+94.8% | $7,759+101.9% | $6,531+139.9% |
| Admin fee / account holder | $14,461 | $14,755-2.0% | $13,620+6.2% | $14,480-0.1% |