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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 | $259,724 | $72,071+260.4% | $68,368+279.9% | $137,256+89.2% |
| Participation rate | 18.8% | 76.2%-57.5pp | 73.8%-55.0pp | 80.0%-61.2pp |
| Annual return | 12.88% | 353.14%-340.3pp | 292.57%-279.7pp | 220.34%-207.5pp |
| Employer contribution / active EE | $823 | $2,788-70.5% | $2,649-68.9% | $4,156-80.2% |
| Participant deferral / active EE | $2,499 | $4,410-43.3% | $4,123-39.4% | $6,407-61.0% |
| Admin fee / account holder | $17,703 | $5,336+231.8% | $5,150+243.8% | $12,270+44.3% |