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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 | $450,341 | $160,040+181.4% | $147,096+206.2% | $145,877+208.7% |
| Participation rate | 30.0% | 84.0%-54.0pp | 82.2%-52.2pp | 80.3%-50.3pp |
| Annual return | 9.09% | 98.49%-89.4pp | 419.75%-410.7pp | 551.28%-542.2pp |
| Employer contribution / active EE | $2,015 | $5,289-61.9% | $4,936-59.2% | $4,663-56.8% |
| Participant deferral / active EE | $6,428 | $8,429-23.7% | $8,071-20.4% | $6,691-3.9% |
| Admin fee / account holder | $424 | $15,050-97.2% | $13,005-96.7% | $13,402-96.8% |