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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 | $352,758 | $159,934+120.6% | $147,005+140.0% | $145,959+141.7% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 9.36% | 98.24%-88.9pp | 418.76%-409.4pp | 561.95%-552.6pp |
| Employer contribution / active EE | $3,189 | $5,287-39.7% | $4,934-35.4% | $4,661-31.6% |
| Participant deferral / active EE | $11,429 | $8,427+35.6% | $8,070+41.6% | $6,689+70.9% |
| Admin fee / account holder | $27,063 | $15,053+79.8% | $13,006+108.1% | $13,398+102.0% |