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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 | $289,926 | $101,618+185.3% | $93,063+211.5% | $137,256+111.2% |
| Participation rate | 54.5% | 74.9%-20.4pp | 72.1%-17.6pp | 80.0%-25.4pp |
| Annual return | 6.12% | 223.95%-217.8pp | 34.15%-28.0pp | 220.34%-214.2pp |
| Employer contribution / active EE | $1,527 | $2,707-43.6% | $2,476-38.3% | $4,156-63.2% |
| Participant deferral / active EE | $4,036 | $4,279-5.7% | $3,958+2.0% | $6,407-37.0% |
| Admin fee / account holder | $715 | $6,198-88.5% | $6,033-88.2% | $12,270-94.2% |