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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 | $330,842 | $72,071+359.0% | $68,368+383.9% | $137,256+141.0% |
| Participation rate | 55.0% | 76.2%-21.2pp | 73.8%-18.8pp | 80.0%-25.0pp |
| Annual return | 12.38% | 353.14%-340.8pp | 292.57%-280.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $1,409 | $2,788-49.5% | $2,649-46.8% | $4,156-66.1% |
| Participant deferral / active EE | $5,345 | $4,410+21.2% | $4,123+29.7% | $6,407-16.6% |
| Admin fee / account holder | $51,494 | $5,336+865.1% | $5,150+899.9% | $12,270+319.7% |