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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 | $412,482 | $160,040+157.7% | $147,096+180.4% | $145,877+182.8% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 6.61% | 98.49%-91.9pp | 419.75%-413.1pp | 551.28%-544.7pp |
| Employer contribution / active EE | $9,310 | $5,289+76.0% | $4,936+88.6% | $4,663+99.7% |
| Participant deferral / active EE | $12,100 | $8,429+43.6% | $8,071+49.9% | $6,691+80.9% |
| Admin fee / account holder | $341 | $15,050-97.7% | $13,005-97.4% | $13,402-97.5% |