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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 | $283,456 | $88,778+219.3% | $81,844+246.3% | $145,884+94.3% |
| Participation rate | 46.7% | 75.1%-28.4pp | 72.4%-25.7pp | 80.3%-33.6pp |
| Annual return | 9.52% | 1033.03%-1023.5pp | 778.87%-769.4pp | 551.85%-542.3pp |
| Employer contribution / active EE | $2,586 | $3,087-16.2% | $2,916-11.3% | $4,662-44.5% |
| Participant deferral / active EE | $9,108 | $4,648+95.9% | $4,323+110.7% | $6,690+36.1% |
| Admin fee / account holder | $1,395 | $8,430-83.5% | $7,355-81.0% | $13,392-89.6% |