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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 | $271,612 | $39,036+595.8% | $80,784+236.2% | $85,851+216.4% |
| Participation rate | 8.0% | 41.6%-33.6pp | 54.2%-46.2pp | 69.3%-61.3pp |
| Annual return | 2.42% | 26.31%-23.9pp | 87.31%-84.9pp | 318.63%-316.2pp |
| Employer contribution / active EE | $541 | $722-25.1% | $1,160-53.4% | $2,565-78.9% |
| Participant deferral / active EE | $1,478 | $1,326+11.4% | $2,145-31.1% | $3,952-62.6% |
| Admin fee / account holder | $1,168 | $2,429-51.9% | $3,380-65.5% | $6,261-81.4% |