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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 | $301,296 | $166,242+81.2% | $165,071+82.5% | $145,884+106.5% |
| Participation rate | 19.0% | 82.0%-63.0pp | 78.6%-59.6pp | 80.3%-61.3pp |
| Annual return | 5.79% | 100.44%-94.7pp | 70.17%-64.4pp | 551.85%-546.1pp |
| Employer contribution / active EE | $1,305 | $5,283-75.3% | $4,347-70.0% | $4,662-72.0% |
| Participant deferral / active EE | $4,148 | $6,964-40.4% | $6,035-31.3% | $6,690-38.0% |
| Admin fee / account holder | $11,072 | $16,658-33.5% | $12,695-12.8% | $13,392-17.3% |