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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 | $467,586 | $175,231+166.8% | $149,696+212.4% | $139,466+235.3% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 1.69% | 166.77%-165.1pp | 134.46%-132.8pp | 373.66%-372.0pp |
| Employer contribution / active EE | $2,406 | $5,478-56.1% | $4,821-50.1% | $4,754-49.4% |
| Participant deferral / active EE | $4,539 | $6,521-30.4% | $5,682-20.1% | $6,712-32.4% |
| Admin fee / account holder | $7,473 | $16,155-53.7% | $13,212-43.4% | $11,409-34.5% |