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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 | $439,617 | $165,361+165.9% | $149,715+193.6% | $158,950+176.6% |
| Participation rate | 22.2% | 84.6%-62.3pp | 82.5%-60.3pp | 82.0%-59.7pp |
| Annual return | 2.39% | 348.24%-345.8pp | 276.66%-274.3pp | 302.91%-300.5pp |
| Employer contribution / active EE | $1,210 | $5,103-76.3% | $4,645-73.9% | $4,762-74.6% |
| Participant deferral / active EE | $7,287 | $7,182+1.5% | $6,842+6.5% | $5,983+21.8% |
| Admin fee / account holder | $15,621 | $10,808+44.5% | $9,310+67.8% | $11,248+38.9% |