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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 | $275,344 | $59,123+365.7% | $77,183+256.7% | $75,181+266.2% |
| Participation rate | 17.9% | 63.9%-46.0pp | 69.6%-51.7pp | 67.2%-49.3pp |
| Annual return | 7.70% | 26.72%-19.0pp | 37.89%-30.2pp | 160.69%-153.0pp |
| Employer contribution / active EE | $438 | $1,996-78.1% | $2,534-82.7% | $2,671-83.6% |
| Participant deferral / active EE | $1,266 | $2,999-57.8% | $3,833-67.0% | $4,126-69.3% |
| Admin fee / account holder | $13,030 | $4,776+172.8% | $5,475+138.0% | $5,650+130.6% |