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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 | $610,379 | $51,638+1082.0% | $68,368+792.8% | $82,448+640.3% |
| Participation rate | 6.9% | 63.6%-56.7pp | 73.8%-66.9pp | 68.1%-61.2pp |
| Annual return | 11.04% | 37.53%-26.5pp | 292.57%-281.5pp | 41.64%-30.6pp |
| Employer contribution / active EE | $289 | $2,047-85.9% | $2,649-89.1% | $2,551-88.7% |
| Participant deferral / active EE | $1,445 | $2,914-50.4% | $4,123-65.0% | $4,139-65.1% |
| Admin fee / account holder | $26,550 | $4,643+471.8% | $5,150+415.6% | $7,234+267.0% |