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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 | $423,355 | $108,882+288.8% | $96,754+337.6% | $154,746+173.6% |
| Participation rate | 50.0% | 75.1%-25.1pp | 70.3%-20.3pp | 80.7%-30.7pp |
| Annual return | 5.65% | 98.39%-92.7pp | 82.04%-76.4pp | 172.34%-166.7pp |
| Employer contribution / active EE | $444 | $3,018-85.3% | $2,679-83.4% | $4,379-89.9% |
| Participant deferral / active EE | $8,688 | $5,323+63.2% | $4,758+82.6% | $6,730+29.1% |
| Admin fee / account holder | $1,088 | $10,200-89.3% | $8,905-87.8% | $14,365-92.4% |