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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 | $375,172 | $159,934+134.6% | $147,005+155.2% | $145,959+157.0% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 9.44% | 98.24%-88.8pp | 418.76%-409.3pp | 561.95%-552.5pp |
| Employer contribution / active EE | $7,912 | $5,287+49.6% | $4,934+60.3% | $4,661+69.7% |
| Participant deferral / active EE | $7,597 | $8,427-9.9% | $8,070-5.9% | $6,689+13.6% |
| Admin fee / account holder | $17,560 | $15,053+16.7% | $13,006+35.0% | $13,398+31.1% |