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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 | $309,549 | $72,071+329.5% | $68,368+352.8% | $137,256+125.5% |
| Participation rate | 60.0% | 76.2%-16.2pp | 73.8%-13.8pp | 80.0%-20.0pp |
| Annual return | 11.81% | 353.14%-341.3pp | 292.57%-280.8pp | 220.34%-208.5pp |
| Employer contribution / active EE | $1,557 | $2,788-44.1% | $2,649-41.2% | $4,156-62.5% |
| Participant deferral / active EE | $3,750 | $4,410-15.0% | $4,123-9.1% | $6,407-41.5% |
| Admin fee / account holder | $704 | $5,336-86.8% | $5,150-86.3% | $12,270-94.3% |