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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 | $256,603 | $111,878+129.4% | $93,727+173.8% | $145,897+75.9% |
| Participation rate | 10.5% | 74.2%-63.7pp | 68.7%-58.2pp | 80.3%-69.8pp |
| Annual return | 5.77% | 204.28%-198.5pp | 133.83%-128.1pp | 552.29%-546.5pp |
| Employer contribution / active EE | $836 | $3,092-73.0% | $2,421-65.5% | $4,663-82.1% |
| Participant deferral / active EE | $2,421 | $4,920-50.8% | $4,417-45.2% | $6,689-63.8% |
| Admin fee / account holder | $395 | $10,256-96.1% | $8,292-95.2% | $13,390-97.1% |