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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 | $322,908 | $160,070+101.7% | $147,117+119.5% | $145,897+121.3% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.51% | 98.69%-90.2pp | 420.54%-412.0pp | 552.29%-543.8pp |
| Employer contribution / active EE | $6,913 | $5,285+30.8% | $4,932+40.2% | $4,663+48.3% |
| Participant deferral / active EE | $11,614 | $8,419+37.9% | $8,065+44.0% | $6,689+73.6% |
| Admin fee / account holder | $8,522 | $15,035-43.3% | $12,993-34.4% | $13,390-36.4% |