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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 | $275,261 | $29,319+838.8% | $52,425+425.1% | $82,448+233.9% |
| Participation rate | 10.5% | 46.9%-36.3pp | 55.6%-45.1pp | 68.1%-57.5pp |
| Annual return | 5.86% | 535.20%-529.3pp | 302.12%-296.3pp | 41.64%-35.8pp |
| Employer contribution / active EE | $331 | $586-43.6% | $914-63.8% | $2,551-87.0% |
| Participant deferral / active EE | $851 | $1,171-27.4% | $1,790-52.5% | $4,139-79.5% |
| Admin fee / account holder | $10,630 | $1,962+441.7% | $2,495+326.1% | $7,234+46.9% |