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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 | $276,591 | $183,539+50.7% | $155,556+77.8% | $145,897+89.6% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.69% | 61.31%-54.6pp | 64.84%-58.1pp | 552.29%-545.6pp |
| Employer contribution / active EE | $7,661 | $5,315+44.1% | $4,675+63.8% | $4,663+64.3% |
| Participant deferral / active EE | $16,898 | $6,467+161.3% | $5,631+200.1% | $6,689+152.6% |
| Admin fee / account holder | $4,980 | $19,275-74.2% | $15,885-68.6% | $13,390-62.8% |