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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 | $383,234 | $217,432+76.3% | $185,851+106.2% | $167,553+128.7% |
| Participation rate | 60.0% | 86.1%-26.1pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 1.11% | 148.43%-147.3pp | 122.11%-121.0pp | 478.89%-477.8pp |
| Employer contribution / active EE | $8,305 | $5,874+41.4% | $5,168+60.7% | $4,840+71.6% |
| Participant deferral / active EE | $5,029 | $6,357-20.9% | $5,569-9.7% | $6,343-20.7% |
| Admin fee / account holder | $7,573 | $19,820-61.8% | $16,245-53.4% | $12,316-38.5% |