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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.)
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 | $299,762 | $100,203+199.2% | $85,240+251.7% | $145,897+105.5% |
| Participation rate | 57.1% | 74.1%-17.0pp | 67.5%-10.4pp | 80.3%-23.2pp |
| Annual return | 12.77% | 84.28%-71.5pp | 66.75%-54.0pp | 552.29%-539.5pp |
| Employer contribution / active EE | $1,615 | $3,242-50.2% | $2,735-41.0% | $4,663-65.4% |
| Participant deferral / active EE | $5,663 | $5,299+6.9% | $4,527+25.1% | $6,689-15.3% |
| Admin fee / account holder | $5,234 | $7,265-28.0% | $6,165-15.1% | $13,390-60.9% |