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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 | $308,775 | $152,612+102.3% | $125,192+146.6% | $152,897+101.9% |
| Participation rate | 66.7% | 83.3%-16.7pp | 79.8%-13.1pp | 82.5%-15.8pp |
| Annual return | 1.28% | 54.85%-53.6pp | 43.79%-42.5pp | 345.43%-344.1pp |
| Employer contribution / active EE | $9,898 | $4,947+100.1% | $3,866+156.0% | $4,764+107.8% |
| Participant deferral / active EE | $8,705 | $5,868+48.3% | $4,937+76.3% | $5,851+48.8% |
| Admin fee / account holder | $4,553 | $13,437-66.1% | $9,704-53.1% | $11,599-60.7% |