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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 | $264,002 | $24,618+972.4% | $71,585+268.8% | $82,637+219.5% |
| Participation rate | 52.0% | 68.2%-16.2pp | 68.2%-16.2pp | 68.1%-16.1pp |
| Annual return | 13.12% | 93.17%-80.0pp | 59.26%-46.1pp | 53.51%-40.4pp |
| Employer contribution / active EE | $798 | $852-6.3% | $1,669-52.2% | $2,552-68.7% |
| Participant deferral / active EE | $2,048 | $1,720+19.0% | $2,923-30.0% | $4,126-50.4% |
| Admin fee / account holder | $16,337 | $3,285+397.4% | $4,712+246.7% | $7,339+122.6% |