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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 | $454,120 | $81,262+458.8% | $155,602+191.8% | $80,911+461.3% |
| Participation rate | 10.0% | 66.2%-56.2pp | 78.2%-68.2pp | 67.6%-57.6pp |
| Annual return | 6.37% | 33.34%-27.0pp | 64.81%-58.4pp | 35.63%-29.3pp |
| Employer contribution / active EE | $426 | $3,102-86.3% | $4,675-90.9% | $2,756-84.5% |
| Participant deferral / active EE | $1,765 | $3,451-48.9% | $5,629-68.6% | $4,297-58.9% |
| Admin fee / account holder | $12,228 | $7,992+53.0% | $15,923-23.2% | $6,935+76.3% |