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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 | $283,464 | $150,446+88.4% | $136,297+108.0% | $147,585+92.1% |
| Participation rate | 50.0% | 84.4%-34.4pp | 81.9%-31.9pp | 82.8%-32.8pp |
| Annual return | 8.54% | 1049.14%-1040.6pp | 5156.19%-5147.7pp | 578.58%-570.0pp |
| Employer contribution / active EE | $2,663 | $5,256-49.3% | $4,696-43.3% | $4,876-45.4% |
| Participant deferral / active EE | $7,118 | $6,631+7.3% | $6,247+13.9% | $5,439+30.9% |
| Admin fee / account holder | $14,153 | $10,906+29.8% | $9,244+53.1% | $10,886+30.0% |