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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 | $160,040+74.6% | $147,096+89.9% | $145,877+91.5% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 6.96% | 98.49%-91.5pp | 419.75%-412.8pp | 551.28%-544.3pp |
| Employer contribution / active EE | $1,216 | $5,289-77.0% | $4,936-75.4% | $4,663-73.9% |
| Participant deferral / active EE | $3,952 | $8,429-53.1% | $8,071-51.0% | $6,691-40.9% |
| Admin fee / account holder | $672 | $15,050-95.5% | $13,005-94.8% | $13,402-95.0% |