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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 | $353,449 | $160,070+120.8% | $147,117+140.3% | $145,897+142.3% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 9.53% | 98.69%-89.2pp | 420.54%-411.0pp | 552.29%-542.8pp |
| Employer contribution / active EE | $7,152 | $5,285+35.3% | $4,932+45.0% | $4,663+53.4% |
| Participant deferral / active EE | $8,149 | $8,419-3.2% | $8,065+1.0% | $6,689+21.8% |
| Admin fee / account holder | $1,396 | $15,035-90.7% | $12,993-89.3% | $13,390-89.6% |