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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 | $322,755 | $160,040+101.7% | $147,096+119.4% | $145,877+121.3% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 9.59% | 98.49%-88.9pp | 419.75%-410.2pp | 551.28%-541.7pp |
| Employer contribution / active EE | $1,950 | $5,289-63.1% | $4,936-60.5% | $4,663-58.2% |
| Participant deferral / active EE | $4,860 | $8,429-42.3% | $8,071-39.8% | $6,691-27.4% |
| Admin fee / account holder | $1,256 | $15,050-91.7% | $13,005-90.3% | $13,402-90.6% |