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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 | $343,218 | $88,754+286.7% | $81,820+319.5% | $145,877+135.3% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 6.82% | 1031.77%-1024.9pp | 777.93%-771.1pp | 551.28%-544.5pp |
| Employer contribution / active EE | $1,249 | $3,085-59.5% | $2,915-57.2% | $4,663-73.2% |
| Participant deferral / active EE | $3,282 | $4,648-29.4% | $4,323-24.1% | $6,691-50.9% |
| Admin fee / account holder | $18,539 | $8,424+120.1% | $7,391+150.8% | $13,402+38.3% |