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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 | $160,040+58.7% | $147,096+72.7% | $145,877+74.2% |
| Participation rate | 45.5% | 84.0%-38.6pp | 82.2%-36.7pp | 80.3%-34.8pp |
| Annual return | 7.16% | 98.49%-91.3pp | 419.75%-412.6pp | 551.28%-544.1pp |
| Employer contribution / active EE | $2,820 | $5,289-46.7% | $4,936-42.9% | $4,663-39.5% |
| Participant deferral / active EE | $7,526 | $8,429-10.7% | $8,071-6.8% | $6,691+12.5% |
| Admin fee / account holder | $4,353 | $15,050-71.1% | $13,005-66.5% | $13,402-67.5% |