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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 | $309,509 | $185,312+67.0% | $161,489+91.7% | $154,746+100.0% |
| Participation rate | 40.0% | 82.5%-42.5pp | 78.7%-38.7pp | 80.7%-40.7pp |
| Annual return | 0.11% | 103.84%-103.7pp | 89.72%-89.6pp | 172.34%-172.2pp |
| Employer contribution / active EE | $1,181 | $4,769-75.2% | $4,268-72.3% | $4,379-73.0% |
| Participant deferral / active EE | $6,699 | $6,350+5.5% | $5,630+19.0% | $6,730-0.5% |
| Admin fee / account holder | $3,880 | $18,654-79.2% | $16,006-75.8% | $14,365-73.0% |