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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 | $334,307 | $174,379+91.7% | $152,093+119.8% | $138,895+140.7% |
| Participation rate | 69.2% | 81.6%-12.4pp | 77.8%-8.5pp | 79.9%-10.7pp |
| Annual return | 5.17% | 74.86%-69.7pp | 66.36%-61.2pp | 145.39%-140.2pp |
| Employer contribution / active EE | $5,749 | $4,652+23.6% | $4,175+37.7% | $4,194+37.1% |
| Participant deferral / active EE | $7,847 | $6,159+27.4% | $5,451+44.0% | $6,396+22.7% |
| Admin fee / account holder | $62,640 | $16,880+271.1% | $14,497+332.1% | $12,562+398.6% |