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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 | $308,377 | $72,071+327.9% | $68,368+351.1% | $137,256+124.7% |
| Participation rate | 54.2% | 76.2%-22.1pp | 73.8%-19.6pp | 80.0%-25.8pp |
| Annual return | 10.19% | 353.14%-342.9pp | 292.57%-282.4pp | 220.34%-210.1pp |
| Employer contribution / active EE | $1,386 | $2,788-50.3% | $2,649-47.7% | $4,156-66.6% |
| Participant deferral / active EE | $2,249 | $4,410-49.0% | $4,123-45.4% | $6,407-64.9% |
| Admin fee / account holder | $67,206 | $5,336+1159.6% | $5,150+1205.0% | $12,270+447.7% |