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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 | $108,897+169.5% | $100,378+192.3% | $145,877+101.1% |
| Participation rate | 62.5% | 83.0%-20.5pp | 81.5%-19.0pp | 80.3%-17.8pp |
| Annual return | 7.98% | 58.17%-50.2pp | 49.41%-41.4pp | 551.28%-543.3pp |
| Employer contribution / active EE | $1,741 | $4,420-60.6% | $3,942-55.8% | $4,663-62.7% |
| Participant deferral / active EE | $2,460 | $8,455-70.9% | $8,087-69.6% | $6,691-63.2% |
| Admin fee / account holder | $2,478 | $9,690-74.4% | $7,899-68.6% | $13,402-81.5% |