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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 | $428,477 | $155,833+175.0% | $124,693+243.6% | $167,518+155.8% |
| Participation rate | 25.0% | 81.1%-56.1pp | 74.6%-49.6pp | 82.1%-57.1pp |
| Annual return | 6.60% | 17.98%-11.4pp | 5144.19%-5137.6pp | 478.71%-472.1pp |
| Employer contribution / active EE | $1,813 | $4,164-56.5% | $3,324-45.5% | $4,838-62.5% |
| Participant deferral / active EE | $13,000 | $5,675+129.1% | $4,615+181.7% | $6,342+105.0% |
| Admin fee / account holder | $574,356 | $9,534+5924.4% | $7,494+7564.0% | $12,312+4564.8% |