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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 | $254,047 | $160,070+58.7% | $147,117+72.7% | $145,897+74.1% |
| Participation rate | 45.5% | 84.0%-38.6pp | 82.2%-36.7pp | 80.3%-34.9pp |
| Annual return | 7.16% | 98.69%-91.5pp | 420.54%-413.4pp | 552.29%-545.1pp |
| Employer contribution / active EE | $2,820 | $5,285-46.6% | $4,932-42.8% | $4,663-39.5% |
| Participant deferral / active EE | $7,526 | $8,419-10.6% | $8,065-6.7% | $6,689+12.5% |
| Admin fee / account holder | $4,353 | $15,035-71.0% | $12,993-66.5% | $13,390-67.5% |