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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 | $295,443 | $88,672+233.2% | $105,223+180.8% | $82,448+258.3% |
| Participation rate | 69.4% | 67.9%+1.5pp | 75.0%-5.6pp | 68.1%+1.4pp |
| Annual return | 10.16% | 30.86%-20.7pp | 180.65%-170.5pp | 41.64%-31.5pp |
| Employer contribution / active EE | $11,535 | $3,048+278.5% | $3,689+212.7% | $2,551+352.2% |
| Participant deferral / active EE | $7,616 | $4,036+88.7% | $5,072+50.2% | $4,139+84.0% |
| Admin fee / account holder | $73,834 | $7,146+933.2% | $8,859+733.5% | $7,234+920.6% |