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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 | $517,207 | $71,057+627.9% | $93,654+452.3% | $80,874+539.5% |
| Participation rate | 11.9% | 60.4%-48.5pp | 68.7%-56.8pp | 67.6%-55.7pp |
| Annual return | 6.89% | 11.26%-4.4pp | 133.34%-126.5pp | 35.62%-28.7pp |
| Employer contribution / active EE | $458 | $1,564-70.7% | $2,421-81.1% | $2,756-83.4% |
| Participant deferral / active EE | $2,362 | $4,034-41.5% | $4,413-46.5% | $4,297-45.0% |
| Admin fee / account holder | $20,660 | $6,944+197.5% | $8,282+149.4% | $6,935+197.9% |