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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 | $259,639 | $232,540+11.7% | $185,117+40.3% | $147,586+75.9% |
| Participation rate | 33.3% | 82.4%-49.0pp | 77.3%-43.9pp | 82.8%-49.5pp |
| Annual return | 2.20% | 43.03%-40.8pp | 40.50%-38.3pp | 578.59%-576.4pp |
| Employer contribution / active EE | $891 | $5,195-82.8% | $4,182-78.7% | $4,876-81.7% |
| Participant deferral / active EE | $3,227 | $5,834-44.7% | $5,045-36.0% | $5,439-40.7% |
| Admin fee / account holder | $2,221 | $10,275-78.4% | $8,159-72.8% | $10,886-79.6% |