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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 | $269,013 | $160,028+68.1% | $147,080+82.9% | $145,884+84.4% |
| Participation rate | 20.0% | 84.0%-64.0pp | 82.2%-62.2pp | 80.3%-60.3pp |
| Annual return | 7.21% | 98.60%-91.4pp | 420.17%-413.0pp | 551.85%-544.6pp |
| Employer contribution / active EE | $2,760 | $5,286-47.8% | $4,933-44.1% | $4,662-40.8% |
| Participant deferral / active EE | $6,100 | $8,422-27.6% | $8,066-24.4% | $6,690-8.8% |
| Admin fee / account holder | $3,649 | $15,030-75.7% | $12,989-71.9% | $13,392-72.8% |