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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 | $251,970 | $160,070+57.4% | $147,117+71.3% | $145,897+72.7% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 7.34% | 98.69%-91.3pp | 420.54%-413.2pp | 552.29%-545.0pp |
| Employer contribution / active EE | $4,412 | $5,285-16.5% | $4,932-10.5% | $4,663-5.4% |
| Participant deferral / active EE | $22,104 | $8,419+162.5% | $8,065+174.1% | $6,689+230.4% |
| Admin fee / account holder | $2,738 | $15,035-81.8% | $12,993-78.9% | $13,390-79.6% |