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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 | $343,412 | $150,435+128.3% | $120,580+184.8% | $145,897+135.4% |
| Participation rate | 40.0% | 78.8%-38.8pp | 72.0%-32.0pp | 80.3%-40.3pp |
| Annual return | 5.49% | 154.60%-149.1pp | 107.48%-102.0pp | 552.29%-546.8pp |
| Employer contribution / active EE | $1,686 | $4,352-61.3% | $3,469-51.4% | $4,663-63.8% |
| Participant deferral / active EE | $12,000 | $6,174+94.4% | $4,995+140.2% | $6,689+79.4% |
| Admin fee / account holder | $789 | $12,182-93.5% | $9,418-91.6% | $13,390-94.1% |