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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 | $279,361 | $159,934+74.7% | $147,005+90.0% | $145,959+91.4% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 6.96% | 98.24%-91.3pp | 418.76%-411.8pp | 561.95%-555.0pp |
| Employer contribution / active EE | $1,216 | $5,287-77.0% | $4,934-75.4% | $4,661-73.9% |
| Participant deferral / active EE | $3,952 | $8,427-53.1% | $8,070-51.0% | $6,689-40.9% |
| Admin fee / account holder | $672 | $15,053-95.5% | $13,006-94.8% | $13,398-95.0% |