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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 | $336,312 | $97,289+245.7% | $92,805+262.4% | $155,188+116.7% |
| Participation rate | 50.0% | 84.2%-34.2pp | 83.5%-33.5pp | 80.8%-30.8pp |
| Annual return | 8.47% | 29.03%-20.6pp | 31.59%-23.1pp | 148.84%-140.4pp |
| Employer contribution / active EE | $10,000 | $3,632+175.3% | $3,424+192.0% | $4,248+135.4% |
| Participant deferral / active EE | $5,000 | $8,795-43.2% | $8,448-40.8% | $6,531-23.4% |
| Admin fee / account holder | $30,488 | $12,015+153.8% | $10,911+179.4% | $14,480+110.6% |