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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 | $403,374 | $160,040+152.0% | $147,096+174.2% | $145,877+176.5% |
| Participation rate | 28.6% | 84.0%-55.4pp | 82.2%-53.6pp | 80.3%-51.7pp |
| Annual return | 4.73% | 98.49%-93.8pp | 419.75%-415.0pp | 551.28%-546.6pp |
| Employer contribution / active EE | $2,114 | $5,289-60.0% | $4,936-57.2% | $4,663-54.7% |
| Participant deferral / active EE | $6,571 | $8,429-22.0% | $8,071-18.6% | $6,691-1.8% |
| Admin fee / account holder | $3,637 | $15,050-75.8% | $13,005-72.0% | $13,402-72.9% |