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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 | $372,573 | $176,077+111.6% | $159,455+133.7% | $167,518+122.4% |
| Participation rate | 50.0% | 84.9%-34.9pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 8.23% | 331.83%-323.6pp | 263.63%-255.4pp | 478.71%-470.5pp |
| Employer contribution / active EE | $2,086 | $5,298-60.6% | $4,830-56.8% | $4,838-56.9% |
| Participant deferral / active EE | $6,323 | $7,751-18.4% | $7,353-14.0% | $6,342-0.3% |
| Admin fee / account holder | $4,452 | $12,556-64.5% | $10,800-58.8% | $12,312-63.8% |