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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 | $292,639 | $111,830+161.7% | $93,696+212.3% | $145,884+100.6% |
| Participation rate | 18.2% | 74.2%-56.0pp | 68.7%-50.5pp | 80.3%-62.1pp |
| Annual return | 1.61% | 204.08%-202.5pp | 133.74%-132.1pp | 551.85%-550.2pp |
| Employer contribution / active EE | $1,361 | $3,093-56.0% | $2,422-43.8% | $4,662-70.8% |
| Participant deferral / active EE | $3,545 | $4,920-27.9% | $4,417-19.7% | $6,690-47.0% |
| Admin fee / account holder | $2,814 | $10,249-72.5% | $8,287-66.0% | $13,392-79.0% |