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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 | $102,595+200.6% | $94,057+227.9% | $154,746+99.3% |
| Participation rate | 54.2% | 76.0%-21.8pp | 73.3%-19.2pp | 80.7%-26.5pp |
| Annual return | 10.19% | 583.42%-573.2pp | 480.62%-470.4pp | 172.34%-162.1pp |
| Employer contribution / active EE | $1,386 | $3,147-55.9% | $2,933-52.7% | $4,379-68.3% |
| Participant deferral / active EE | $2,249 | $5,118-56.1% | $4,709-52.2% | $6,730-66.6% |
| Admin fee / account holder | $67,206 | $7,736+768.8% | $7,244+827.7% | $14,365+367.8% |