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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 | $159,978+134.5% | $147,041+155.1% | $145,978+157.0% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 9.44% | 98.36%-88.9pp | 419.21%-409.8pp | 550.52%-541.1pp |
| Employer contribution / active EE | $7,912 | $5,288+49.6% | $4,935+60.3% | $4,662+69.7% |
| Participant deferral / active EE | $7,597 | $8,429-9.9% | $8,071-5.9% | $6,690+13.6% |
| Admin fee / account holder | $17,560 | $15,053+16.7% | $13,006+35.0% | $13,400+31.0% |