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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 | $293,426 | $108,942+169.3% | $100,415+192.2% | $145,897+101.1% |
| Participation rate | 62.5% | 83.0%-20.5pp | 81.5%-19.0pp | 80.3%-17.8pp |
| Annual return | 7.98% | 58.27%-50.3pp | 49.47%-41.5pp | 552.29%-544.3pp |
| Employer contribution / active EE | $1,741 | $4,422-60.6% | $3,943-55.8% | $4,663-62.7% |
| Participant deferral / active EE | $2,460 | $8,461-70.9% | $8,091-69.6% | $6,689-63.2% |
| Admin fee / account holder | $2,478 | $9,702-74.5% | $7,906-68.7% | $13,390-81.5% |