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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 | $350,669 | $88,778+295.0% | $81,844+328.5% | $145,884+140.4% |
| Participation rate | 45.5% | 75.1%-29.6pp | 72.4%-26.9pp | 80.3%-34.8pp |
| Annual return | 7.57% | 1033.03%-1025.5pp | 778.87%-771.3pp | 551.85%-544.3pp |
| Employer contribution / active EE | $1,098 | $3,087-64.4% | $2,916-62.4% | $4,662-76.4% |
| Participant deferral / active EE | $3,549 | $4,648-23.6% | $4,323-17.9% | $6,690-46.9% |
| Admin fee / account holder | $10,000 | $8,430+18.6% | $7,355+36.0% | $13,392-25.3% |