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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 | $289,158 | $176,838+63.5% | $146,685+97.1% | $167,518+72.6% |
| Participation rate | 57.9% | 83.6%-25.7pp | 80.1%-22.2pp | 82.1%-24.2pp |
| Annual return | 8.79% | 24.04%-15.2pp | 22.75%-14.0pp | 478.71%-469.9pp |
| Employer contribution / active EE | $1,995 | $5,161-61.3% | $4,137-51.8% | $4,838-58.8% |
| Participant deferral / active EE | $4,335 | $6,441-32.7% | $5,507-21.3% | $6,342-31.6% |
| Admin fee / account holder | $66,028 | $13,262+397.9% | $10,281+542.2% | $12,312+436.3% |