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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 | $373,174 | $160,028+133.2% | $147,080+153.7% | $145,884+155.8% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 6.56% | 98.60%-92.0pp | 420.17%-413.6pp | 551.85%-545.3pp |
| Employer contribution / active EE | $3,907 | $5,286-26.1% | $4,933-20.8% | $4,662-16.2% |
| Participant deferral / active EE | $17,552 | $8,422+108.4% | $8,066+117.6% | $6,690+162.4% |
| Admin fee / account holder | $3,451 | $15,030-77.0% | $12,989-73.4% | $13,392-74.2% |