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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 | $318,775 | $110,337+188.9% | $102,383+211.4% | $145,877+118.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 5.66% | 24.83%-19.2pp | 24.94%-19.3pp | 551.28%-545.6pp |
| Employer contribution / active EE | $1,152 | $4,216-72.7% | $3,870-70.2% | $4,663-75.3% |
| Participant deferral / active EE | $15,250 | $5,621+171.3% | $5,060+201.4% | $6,691+127.9% |
| Admin fee / account holder | $5,170 | $9,750-47.0% | $8,391-38.4% | $13,402-61.4% |