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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 | $394,539 | $160,040+146.5% | $147,096+168.2% | $145,877+170.5% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 6.80% | 98.49%-91.7pp | 419.75%-412.9pp | 551.28%-544.5pp |
| Employer contribution / active EE | $1,977 | $5,289-62.6% | $4,936-60.0% | $4,663-57.6% |
| Participant deferral / active EE | $34,261 | $8,429+306.5% | $8,071+324.5% | $6,691+412.1% |
| Admin fee / account holder | $6,448 | $15,050-57.2% | $13,005-50.4% | $13,402-51.9% |