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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 | $338,795 | $114,130+196.9% | $96,192+252.2% | $167,553+102.2% |
| Participation rate | 30.8% | 75.1%-44.3pp | 68.4%-37.7pp | 82.1%-51.3pp |
| Annual return | 8.32% | 190.07%-181.8pp | 192.09%-183.8pp | 478.89%-470.6pp |
| Employer contribution / active EE | $2,286 | $3,431-33.4% | $2,799-18.4% | $4,840-52.8% |
| Participant deferral / active EE | $4,011 | $5,198-22.8% | $4,351-7.8% | $6,343-36.8% |
| Admin fee / account holder | $13,927 | $6,901+101.8% | $5,539+151.4% | $12,316+13.1% |