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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 | $294,235 | $96,388+205.3% | $80,627+264.9% | $139,466+111.0% |
| Participation rate | 10.5% | 73.6%-63.1pp | 67.0%-56.5pp | 80.3%-69.8pp |
| Annual return | 0.96% | 1352.08%-1351.1pp | 936.76%-935.8pp | 373.66%-372.7pp |
| Employer contribution / active EE | $938 | $3,260-71.2% | $2,723-65.5% | $4,754-80.3% |
| Participant deferral / active EE | $3,158 | $5,224-39.6% | $4,443-28.9% | $6,712-53.0% |
| Admin fee / account holder | $1,866 | $6,603-71.7% | $5,381-65.3% | $11,409-83.6% |