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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 | $342,714 | $110,337+210.6% | $102,383+234.7% | $145,877+134.9% |
| Participation rate | 16.7% | 77.9%-61.3pp | 74.5%-57.8pp | 80.3%-63.6pp |
| Annual return | 5.55% | 24.83%-19.3pp | 24.94%-19.4pp | 551.28%-545.7pp |
| Employer contribution / active EE | $2,108 | $4,216-50.0% | $3,870-45.5% | $4,663-54.8% |
| Participant deferral / active EE | $5,083 | $5,621-9.6% | $5,060+0.5% | $6,691-24.0% |
| Admin fee / account holder | $1,716 | $9,750-82.4% | $8,391-79.6% | $13,402-87.2% |