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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 | $111,785+129.6% | $93,669+173.9% | $145,877+75.9% |
| Participation rate | 10.5% | 74.2%-63.7pp | 68.7%-58.2pp | 80.3%-69.8pp |
| Annual return | 5.77% | 203.79%-198.0pp | 133.59%-127.8pp | 551.28%-545.5pp |
| Employer contribution / active EE | $836 | $3,096-73.0% | $2,424-65.5% | $4,663-82.1% |
| Participant deferral / active EE | $2,421 | $4,919-50.8% | $4,416-45.2% | $6,691-63.8% |
| Admin fee / account holder | $395 | $10,256-96.1% | $8,291-95.2% | $13,402-97.1% |