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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 | $349,044 | $98,240+255.3% | $82,312+324.1% | $147,586+136.5% |
| Participation rate | 50.0% | 79.7%-29.7pp | 76.9%-26.9pp | 82.8%-32.8pp |
| Annual return | 8.68% | 30.85%-22.2pp | 25.88%-17.2pp | 578.59%-569.9pp |
| Employer contribution / active EE | $6,406 | $3,192+100.7% | $2,428+163.8% | $4,876+31.4% |
| Participant deferral / active EE | $6,744 | $4,383+53.9% | $3,706+82.0% | $5,439+24.0% |
| Admin fee / account holder | $3,019 | $8,563-64.7% | $5,608-46.2% | $10,886-72.3% |