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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 | $301,090 | $136,214+121.0% | $98,775+204.8% | $167,536+79.7% |
| Participation rate | 28.6% | 70.2%-41.6pp | 65.7%-37.2pp | 82.1%-53.5pp |
| Annual return | 5.94% | 67.53%-61.6pp | 49.92%-44.0pp | 478.82%-472.9pp |
| Employer contribution / active EE | $978 | $2,631-62.8% | $2,067-52.7% | $4,839-79.8% |
| Participant deferral / active EE | $7,429 | $3,716+99.9% | $3,035+144.8% | $6,342+17.1% |
| Admin fee / account holder | $3,459 | $5,031-31.2% | $4,076-15.1% | $12,315-71.9% |