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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 | $328,273 | $112,933+190.7% | $90,970+260.9% | $158,982+106.5% |
| Participation rate | 46.7% | 74.7%-28.1pp | 69.0%-22.3pp | 82.0%-35.3pp |
| Annual return | 2.11% | 215.82%-213.7pp | 134.60%-132.5pp | 302.99%-300.9pp |
| Employer contribution / active EE | $1,992 | $2,893-31.1% | $2,122-6.1% | $4,763-58.2% |
| Participant deferral / active EE | $6,695 | $4,128+62.2% | $3,373+98.5% | $5,983+11.9% |
| Admin fee / account holder | $3,396 | $8,047-57.8% | $5,961-43.0% | $11,252-69.8% |