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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 | $352,883 | $148,629+137.4% | $135,982+159.5% | $139,487+153.0% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 10.85% | 79.33%-68.5pp | 68.32%-57.5pp | 373.84%-363.0pp |
| Employer contribution / active EE | $3,219 | $5,247-38.6% | $4,859-33.8% | $4,755-32.3% |
| Participant deferral / active EE | $15,293 | $8,102+88.7% | $7,760+97.1% | $6,713+127.8% |
| Admin fee / account holder | $65,197 | $12,406+425.5% | $10,767+505.5% | $11,407+471.5% |