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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 | $265,338 | $160,028+65.8% | $147,080+80.4% | $145,884+81.9% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 9.07% | 98.60%-89.5pp | 420.17%-411.1pp | 551.85%-542.8pp |
| Employer contribution / active EE | $2,025 | $5,286-61.7% | $4,933-59.0% | $4,662-56.6% |
| Participant deferral / active EE | $7,477 | $8,422-11.2% | $8,066-7.3% | $6,690+11.8% |
| Admin fee / account holder | $1,204 | $15,030-92.0% | $12,989-90.7% | $13,392-91.0% |