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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 | $728,377 | $86,294+744.1% | $111,303+554.4% | $85,856+748.4% |
| Participation rate | 20.7% | 73.3%-52.6pp | 77.3%-56.6pp | 69.3%-48.6pp |
| Annual return | -1.17% | 19.99%-21.2pp | 54.66%-55.8pp | 318.58%-319.8pp |
| Employer contribution / active EE | $665 | $2,043-67.4% | $2,731-75.6% | $2,565-74.1% |
| Participant deferral / active EE | $1,944 | $3,641-46.6% | $4,487-56.7% | $3,952-50.8% |
| Admin fee / account holder | $6,162 | $8,189-24.8% | $7,966-22.6% | $6,261-1.6% |