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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 | $402,559 | $101,618+296.1% | $93,063+332.6% | $137,256+193.3% |
| Participation rate | 29.4% | 74.9%-45.5pp | 72.1%-42.7pp | 80.0%-50.5pp |
| Annual return | 9.88% | 223.95%-214.1pp | 34.15%-24.3pp | 220.34%-210.5pp |
| Employer contribution / active EE | $602 | $2,707-77.8% | $2,476-75.7% | $4,156-85.5% |
| Participant deferral / active EE | $0 | $4,279-100.0% | $3,958-100.0% | $6,407-100.0% |
| Admin fee / account holder | $5,903 | $6,198-4.8% | $6,033-2.2% | $12,270-51.9% |