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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 | $340,858 | $155,555+119.1% | $146,866+132.1% | $155,188+119.6% |
| Participation rate | 69.6% | 84.0%-14.4pp | 82.5%-12.9pp | 80.8%-11.2pp |
| Annual return | 7.48% | 115.41%-107.9pp | 102.85%-95.4pp | 148.84%-141.4pp |
| Employer contribution / active EE | $0 | $4,647-100.0% | $4,425-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $11,323 | $8,044+40.8% | $7,759+45.9% | $6,531+73.4% |
| Admin fee / account holder | $3,389 | $14,755-77.0% | $13,620-75.1% | $14,480-76.6% |