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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 | $274,393 | $160,070+71.4% | $147,117+86.5% | $145,897+88.1% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 6.25% | 98.69%-92.4pp | 420.54%-414.3pp | 552.29%-546.0pp |
| Employer contribution / active EE | $1,579 | $5,285-70.1% | $4,932-68.0% | $4,663-66.1% |
| Participant deferral / active EE | $8,991 | $8,419+6.8% | $8,065+11.5% | $6,689+34.4% |
| Admin fee / account holder | $4,668 | $15,035-69.0% | $12,993-64.1% | $13,390-65.1% |