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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 | $275,900 | $102,393+169.5% | $147,041+87.6% | $80,911+241.0% |
| Participation rate | 31.3% | 75.9%-44.6pp | 82.2%-50.9pp | 67.6%-36.4pp |
| Annual return | 9.84% | 134.95%-125.1pp | 419.21%-409.4pp | 35.63%-25.8pp |
| Employer contribution / active EE | $1,216 | $3,715-67.3% | $4,935-75.4% | $2,756-55.9% |
| Participant deferral / active EE | $3,696 | $6,647-44.4% | $8,071-54.2% | $4,297-14.0% |
| Admin fee / account holder | $2,963 | $7,943-62.7% | $13,006-77.2% | $6,935-57.3% |