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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 | $110,093+248.5% | $97,295+294.4% | $145,897+163.0% |
| Participation rate | 66.7% | 75.9%-9.2pp | 72.7%-6.0pp | 80.3%-13.6pp |
| Annual return | 6.81% | 244.76%-237.9pp | 75.62%-68.8pp | 552.29%-545.5pp |
| Employer contribution / active EE | $22,000 | $3,077+614.9% | $2,723+708.0% | $4,663+371.8% |
| Participant deferral / active EE | $10,433 | $4,678+123.0% | $4,264+144.7% | $6,689+56.0% |
| Admin fee / account holder | $2,528 | $6,212-59.3% | $5,646-55.2% | $13,390-81.1% |