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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 | $111,814+142.1% | $103,374+161.9% | $145,959+85.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 8.51% | 24.77%-16.3pp | 24.89%-16.4pp | 561.95%-553.4pp |
| Employer contribution / active EE | $23,000 | $4,214+445.8% | $3,869+494.4% | $4,661+393.5% |
| Participant deferral / active EE | $11,500 | $5,618+104.7% | $5,058+127.4% | $6,689+71.9% |
| Admin fee / account holder | $1,904 | $9,754-80.5% | $8,394-77.3% | $13,398-85.8% |