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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 | $310,844 | $166,242+87.0% | $165,071+88.3% | $145,884+113.1% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 7.96% | 100.44%-92.5pp | 70.17%-62.2pp | 551.85%-543.9pp |
| Employer contribution / active EE | $6,161 | $5,283+16.6% | $4,347+41.7% | $4,662+32.1% |
| Participant deferral / active EE | $22,551 | $6,964+223.8% | $6,035+273.7% | $6,690+237.1% |
| Admin fee / account holder | $3,542 | $16,658-78.7% | $12,695-72.1% | $13,392-73.5% |