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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 | $250,023 | $102,595+143.7% | $94,057+165.8% | $154,746+61.6% |
| Participation rate | 10.5% | 76.0%-65.5pp | 73.3%-62.8pp | 80.7%-70.2pp |
| Annual return | 8.43% | 583.42%-575.0pp | 480.62%-472.2pp | 172.34%-163.9pp |
| Employer contribution / active EE | $365 | $3,147-88.4% | $2,933-87.5% | $4,379-91.7% |
| Participant deferral / active EE | $1,670 | $5,118-67.4% | $4,709-64.5% | $6,730-75.2% |
| Admin fee / account holder | $5,030 | $7,736-35.0% | $7,244-30.6% | $14,365-65.0% |