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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 | $383,697 | $109,904+249.1% | $97,167+294.9% | $145,959+162.9% |
| Participation rate | 66.7% | 75.9%-9.3pp | 72.7%-6.0pp | 80.3%-13.6pp |
| Annual return | 6.81% | 243.43%-236.6pp | 75.27%-68.5pp | 561.95%-555.1pp |
| Employer contribution / active EE | $22,000 | $3,084+613.3% | $2,729+706.1% | $4,661+372.0% |
| Participant deferral / active EE | $10,433 | $4,676+123.1% | $4,264+144.7% | $6,689+56.0% |
| Admin fee / account holder | $2,528 | $6,216-59.3% | $5,650-55.3% | $13,398-81.1% |