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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 | $337,266 | $159,934+110.9% | $147,005+129.4% | $145,959+131.1% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.85% | 98.24%-89.4pp | 418.76%-409.9pp | 561.95%-553.1pp |
| Employer contribution / active EE | $2,780 | $5,287-47.4% | $4,934-43.7% | $4,661-40.4% |
| Participant deferral / active EE | $17,251 | $8,427+104.7% | $8,070+113.8% | $6,689+157.9% |
| Admin fee / account holder | $4,865 | $15,053-67.7% | $13,006-62.6% | $13,398-63.7% |