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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 | $258,943 | $180,749+43.3% | $160,784+61.1% | $137,256+88.7% |
| Participation rate | 40.0% | 80.0%-40.0pp | 77.0%-37.0pp | 80.0%-40.0pp |
| Annual return | 9.92% | 2234.46%-2224.5pp | 1803.92%-1794.0pp | 220.34%-210.4pp |
| Employer contribution / active EE | $1,161 | $4,155-72.1% | $3,733-68.9% | $4,156-72.1% |
| Participant deferral / active EE | $6,267 | $6,844-8.4% | $6,293-0.4% | $6,407-2.2% |
| Admin fee / account holder | $15,578 | $10,397+49.8% | $9,717+60.3% | $12,270+27.0% |