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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 | $303,490 | $100,203+202.9% | $85,240+256.0% | $145,897+108.0% |
| Participation rate | 44.4% | 74.1%-29.7pp | 67.5%-23.1pp | 80.3%-35.9pp |
| Annual return | 7.77% | 84.28%-76.5pp | 66.75%-59.0pp | 552.29%-544.5pp |
| Employer contribution / active EE | $981 | $3,242-69.7% | $2,735-64.1% | $4,663-79.0% |
| Participant deferral / active EE | $4,420 | $5,299-16.6% | $4,527-2.4% | $6,689-33.9% |
| Admin fee / account holder | $1,000 | $7,265-86.2% | $6,165-83.8% | $13,390-92.5% |