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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 | $288,521 | $100,073+188.3% | $85,126+238.9% | $145,877+97.8% |
| Participation rate | 37.5% | 74.1%-36.6pp | 67.5%-30.0pp | 80.3%-42.8pp |
| Annual return | 6.46% | 84.11%-77.7pp | 66.63%-60.2pp | 551.28%-544.8pp |
| Employer contribution / active EE | $1,079 | $3,236-66.7% | $2,731-60.5% | $4,663-76.9% |
| Participant deferral / active EE | $2,395 | $5,294-54.8% | $4,523-47.1% | $6,691-64.2% |
| Admin fee / account holder | $211,062 | $7,261+2806.8% | $6,160+3326.2% | $13,402+1474.8% |