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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 | $273,474 | $111,535+145.2% | $105,223+159.9% | $137,256+99.2% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 11.01% | 237.85%-226.8pp | 180.65%-169.6pp | 220.34%-209.3pp |
| Employer contribution / active EE | $829 | $3,939-79.0% | $3,689-77.5% | $4,156-80.1% |
| Participant deferral / active EE | $7,045 | $5,500+28.1% | $5,072+38.9% | $6,407+10.0% |
| Admin fee / account holder | $2,979 | $9,721-69.4% | $8,859-66.4% | $12,270-75.7% |