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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 | $276,247 | $102,595+169.3% | $94,057+193.7% | $154,746+78.5% |
| Participation rate | 30.0% | 76.0%-46.0pp | 73.3%-43.3pp | 80.7%-50.7pp |
| Annual return | 4.55% | 583.42%-578.9pp | 480.62%-476.1pp | 172.34%-167.8pp |
| Employer contribution / active EE | $2,014 | $3,147-36.0% | $2,933-31.3% | $4,379-54.0% |
| Participant deferral / active EE | $3,421 | $5,118-33.2% | $4,709-27.4% | $6,730-49.2% |
| Admin fee / account holder | $1,742 | $7,736-77.5% | $7,244-76.0% | $14,365-87.9% |