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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 | $270,755 | $110,410+145.2% | $102,437+164.3% | $145,897+85.6% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 8.51% | 24.85%-16.3pp | 24.95%-16.4pp | 552.29%-543.8pp |
| Employer contribution / active EE | $23,000 | $4,217+445.4% | $3,871+494.2% | $4,663+393.3% |
| Participant deferral / active EE | $11,500 | $5,622+104.6% | $5,060+127.3% | $6,689+71.9% |
| Admin fee / account holder | $1,904 | $9,745-80.5% | $8,388-77.3% | $13,390-85.8% |