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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 | $329,789 | $97,125+239.6% | $86,233+282.4% | $137,256+140.3% |
| Participation rate | 45.5% | 74.2%-28.7pp | 69.0%-23.6pp | 80.0%-34.5pp |
| Annual return | 2.63% | 74.19%-71.6pp | 61.39%-58.8pp | 220.34%-217.7pp |
| Employer contribution / active EE | $1,245 | $2,841-56.2% | $2,504-50.3% | $4,156-70.0% |
| Participant deferral / active EE | $1,091 | $5,180-78.9% | $4,559-76.1% | $6,407-83.0% |
| Admin fee / account holder | $69,105 | $9,725+610.6% | $8,342+728.4% | $12,270+463.2% |