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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 | $346,821 | $88,710+291.0% | $81,783+324.1% | $145,959+137.6% |
| Participation rate | 14.3% | 75.0%-60.8pp | 72.4%-58.1pp | 80.3%-66.0pp |
| Annual return | 8.32% | 1027.26%-1018.9pp | 775.05%-766.7pp | 561.95%-553.6pp |
| Employer contribution / active EE | $446 | $3,083-85.5% | $2,913-84.7% | $4,661-90.4% |
| Participant deferral / active EE | $2,411 | $4,645-48.1% | $4,320-44.2% | $6,689-64.0% |
| Admin fee / account holder | $7,151 | $8,407-14.9% | $7,380-3.1% | $13,398-46.6% |