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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 | $308,073 | $185,856+65.8% | $170,028+81.2% | $139,456+120.9% |
| Participation rate | 50.0% | 87.8%-37.8pp | 87.0%-37.0pp | 80.3%-30.3pp |
| Annual return | 7.39% | 60.52%-53.1pp | 53.39%-46.0pp | 373.45%-366.1pp |
| Employer contribution / active EE | $2,440 | $7,593-67.9% | $6,788-64.0% | $4,753-48.7% |
| Participant deferral / active EE | $3,867 | $11,623-66.7% | $10,409-62.9% | $6,711-42.4% |
| Admin fee / account holder | $486 | $15,387-96.8% | $12,820-96.2% | $11,407-95.7% |