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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 | $258,291 | $91,537+182.2% | $130,045+98.6% | $75,173+243.6% |
| Participation rate | 48.6% | 71.5%-22.9pp | 78.5%-29.9pp | 67.2%-18.6pp |
| Annual return | 12.91% | -631.55%+644.5pp | -137.30%+150.2pp | 160.72%-147.8pp |
| Employer contribution / active EE | $1,448 | $2,845-49.1% | $4,321-66.5% | $2,671-45.8% |
| Participant deferral / active EE | $3,149 | $4,343-27.5% | $5,820-45.9% | $4,126-23.7% |
| Admin fee / account holder | $3,810 | $6,780-43.8% | $10,600-64.1% | $5,651-32.6% |