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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 | $70,366+269.1% | $66,674+289.5% | $138,895+87.0% |
| Participation rate | 18.8% | 76.2%-57.4pp | 73.7%-54.9pp | 79.9%-61.2pp |
| Annual return | 12.88% | 386.41%-373.5pp | 321.24%-308.4pp | 145.39%-132.5pp |
| Employer contribution / active EE | $823 | $2,765-70.2% | $2,620-68.6% | $4,194-80.4% |
| Participant deferral / active EE | $2,499 | $4,374-42.9% | $4,084-38.8% | $6,396-60.9% |
| Admin fee / account holder | $17,703 | $5,262+236.4% | $5,098+247.3% | $12,562+40.9% |