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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 | $251,270 | $88,702+183.3% | $81,780+207.2% | $145,978+72.1% |
| Participation rate | 25.0% | 75.0%-50.0pp | 72.4%-47.4pp | 80.3%-55.3pp |
| Annual return | 9.38% | 1029.12%-1019.7pp | 776.27%-766.9pp | 550.52%-541.1pp |
| Employer contribution / active EE | $733 | $3,084-76.2% | $2,914-74.8% | $4,662-84.3% |
| Participant deferral / active EE | $2,220 | $4,645-52.2% | $4,321-48.6% | $6,690-66.8% |
| Admin fee / account holder | $71,142 | $8,414+745.5% | $7,384+863.5% | $13,400+430.9% |