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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 | $309,509 | $172,111+79.8% | $150,298+105.9% | $137,256+125.5% |
| Participation rate | 40.0% | 81.7%-41.7pp | 77.8%-37.8pp | 80.0%-40.0pp |
| Annual return | 0.11% | 69.37%-69.3pp | 62.79%-62.7pp | 220.34%-220.2pp |
| Employer contribution / active EE | $1,181 | $4,636-74.5% | $4,154-71.6% | $4,156-71.6% |
| Participant deferral / active EE | $6,699 | $6,166+8.6% | $5,453+22.9% | $6,407+4.6% |
| Admin fee / account holder | $3,880 | $16,471-76.4% | $14,116-72.5% | $12,270-68.4% |