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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 | $301,023 | $209,422+43.7% | $178,503+68.6% | $158,982+89.3% |
| Participation rate | 60.0% | 86.4%-26.4pp | 81.9%-21.9pp | 82.0%-22.0pp |
| Annual return | 0.99% | 188.81%-187.8pp | 151.12%-150.1pp | 302.99%-302.0pp |
| Employer contribution / active EE | $1,662 | $5,707-70.9% | $5,011-66.8% | $4,763-65.1% |
| Participant deferral / active EE | $4,434 | $5,955-25.5% | $5,202-14.8% | $5,983-25.9% |
| Admin fee / account holder | $2,343 | $17,079-86.3% | $13,987-83.2% | $11,252-79.2% |