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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 | $348,841 | $57,057+511.4% | $85,009+310.4% | $80,874+331.3% |
| Participation rate | 3.0% | 56.4%-53.4pp | 67.5%-64.5pp | 67.6%-64.7pp |
| Annual return | 8.52% | 21.66%-13.1pp | 66.47%-57.9pp | 35.62%-27.1pp |
| Employer contribution / active EE | $433 | $1,799-75.9% | $2,728-84.1% | $2,756-84.3% |
| Participant deferral / active EE | $910 | $3,112-70.7% | $4,522-79.9% | $4,297-78.8% |
| Admin fee / account holder | $84,728 | $4,986+1599.3% | $6,153+1277.1% | $6,935+1121.7% |