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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 | $289,926 | $125,778+130.5% | $114,563+153.1% | $154,746+87.4% |
| Participation rate | 54.5% | 75.2%-20.6pp | 72.9%-18.4pp | 80.7%-26.2pp |
| Annual return | 6.12% | 295.14%-289.0pp | 241.09%-235.0pp | 172.34%-166.2pp |
| Employer contribution / active EE | $1,527 | $2,806-45.6% | $2,592-41.1% | $4,379-65.1% |
| Participant deferral / active EE | $4,036 | $4,445-9.2% | $4,142-2.6% | $6,730-40.0% |
| Admin fee / account holder | $715 | $8,190-91.3% | $7,623-90.6% | $14,365-95.0% |