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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 | $351,269 | $159,978+119.6% | $147,041+138.9% | $145,978+140.6% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 8.86% | 98.36%-89.5pp | 419.21%-410.4pp | 550.52%-541.7pp |
| Employer contribution / active EE | $3,545 | $5,288-33.0% | $4,935-28.2% | $4,662-24.0% |
| Participant deferral / active EE | $10,994 | $8,429+30.4% | $8,071+36.2% | $6,690+64.4% |
| Admin fee / account holder | $9,363 | $15,053-37.8% | $13,006-28.0% | $13,400-30.1% |