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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 | $359,999 | $67,823+430.8% | $52,425+586.7% | $137,256+162.3% |
| Participation rate | 10.0% | 63.9%-53.9pp | 55.6%-45.6pp | 80.0%-70.0pp |
| Annual return | 3.38% | 219.11%-215.7pp | 302.12%-298.7pp | 220.34%-217.0pp |
| Employer contribution / active EE | $676 | $1,163-41.9% | $914-26.1% | $4,156-83.7% |
| Participant deferral / active EE | $1,565 | $2,288-31.6% | $1,790-12.6% | $6,407-75.6% |
| Admin fee / account holder | $10,349 | $2,844+263.8% | $2,495+314.8% | $12,270-15.7% |